What insurances should a roofing subcontractor have?
Last reviewed July 5, 2026
A roofing subcontractor should have public liability insurance, workers compensation, and tool insurance. These cover damages to property, injuries on the job, and loss or damage to tools.
Key points
- Public liability insurance covers damages.
- Workers compensation covers employee injuries.
- Tool insurance protects against tool loss.
Check that your roofing subbie has the right insurances before they start on site. Public liability is a must for any damage they might cause. Workers compensation is needed if they employ anyone. Tool insurance is useful if they have valuable gear.
How Alloovium helps
Alloovium helps you track compliance documents and check insurance details easily.
See how it worksRelated questions
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General information for Australian construction professionals — not legal advice. Verify jurisdiction-specific requirements with the relevant regulator.