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What our Nerds say about bricklayers’ insurance

HENRY

BUSINESS NERD

You’ve built a strong, stable and successful career as a bricklayer, but the whole thing could come crumbling down if an accident or disaster saddles you with a hefty legal and compensation bill that you can’t afford to pay.

Even the most careful bricklayers face daily risks. You could drop a brick on a client’s car, your tools or stock could be stolen, or you or an employee could be injured by heavy machinery.

Whatever happens, the best protection you can have against disaster is bricklayers’ insurance, which could provide cover against the cost of a claim for compensation, as well as legal fees, for personal injury for lost, stolen or damaged property.

What is bricklayers’ insurance?

Bricklayers’ insurance isn’t one specific type of insurance, but rather a package of products that can provide financial protection for your business against accidents that cause injury either to yourself or to members of the public loss or damage to other people’s property – whether it’s an employee, client or a member of the public – and against theft, loss or damage to your materials and equipment.

Public liability insurance should form the foundation of your bricklayers’ insurance policy. This covers your legal and compensation costs if a third party is injured or killed, or if their property is damaged or lost, as a result of your bricklaying activities.

You are also legally required to have employers’ liability insurance if you employ anyone based in the UK and outside your immediate family. Your policy must provide cover of at least £5 million and can provide compensation in the event that an employee is injured or becomes ill as a result of their work for you – even if they are an ex-employee who develops the health condition at a later date.

You might also consider the benefits of having building tools insurance in your policy, which provides compensation so you can replace your tools if they’re lost, stolen, or damaged, and stock insurance to protect your bricks and other materials. However, you need to make sure that tools and materials are securely locked away when not in use or your claim may be rejected.

However, larger machinery – such as a cement mixer or mortar-maker – likely won’t be covered by your tool insurance. For that you’ll need either hired-in plant insurance (for rented equipment) or own plant insurance (for machinery you own outright).

You may want to consider contract works insurance in case a disaster, such as a fire, a flood or vandalism, destroys or interrupts your bricklaying work. In the event of a disaster, contract works insurance will provide financial support for repairs or replacements you may need.

Finally, it may be worth considering personal accident insurance to provide cover if an injury prevents you from working for a period of time, or to provide compensation to dependants in the event of your death. This will often cover you whether you are injured while out on a job or elsewhere.

Do I need bricklayers’ insurance?

Other than being legally required to have employers’ liability insurance if you employ staff, you don’t need bricklayers’ insurance. However, using heavy materials and large machinery comes with plenty of risks that you should consider being insured against.

If you drop a brick and it damages a car or injures a person, or your machinery is stolen, the resulting legal fees and compensation costs could be high. A comprehensive bricklayers’ insurance will help to provide cover against these eventualities.

» MORE: Work out whether you need business insurance

What is usually included in bricklayers’ insurance?

Bricklayer’s insurance often includes:

  • public liability insurance
  • employers’ liability insurance
  • tools insurance
  • stock insurance
  • hired-in or own plant insurance
  • contract works insurance
  • personal accident insurance

These products may not all be included in the package you choose and you may need to consider additional, or fewer, options depending on the way you run your business.

Vehicle insurance, for instance, will usually need to be taken out separately.

What isn’t usually included in bricklayers’ insurance?

Bricklayers’ insurance packages don’t usually include any kind of vehicle insurance as standard. If you have a van that you use to drive to jobs and transport your materials and equipment then you will need to insure it (and its contents) against loss, theft or damage.

You’ll most likely need commercial van insurance in addition to any business insurance policy, which is designed specifically to cover you if your van is used to transport materials.

How much does bricklayers’ insurance cost?

Everything from the type of work you do to the cost of the equipment you own or rent, your claims history and the number of employees you have will affect your bricklayers' insurance premium.

For example, a bricklayer working alone on a single project will need less cover and therefore have lower premiums than a company with a team of bricklayers working on several projects. An insurer will also look at the risks your business poses – perhaps you need to work at height, for example.

You should add up the value of your tools, stock, and other equipment to ensure you’re covered for an adequate amount.

» MORE: All you need to know about business liability insurance

How to choose the best bricklayers’ insurance policy for you?

Once you know whether you need employers’ liability insurance and the value of all your tools, stock, and equipment it's time to find the right bricklayers’ insurance policy.

Simply click ‘start your quote’ and follow the step-by-step process.

Bricklayers’ Insurance FAQs

What insurance should a bricklayer have?

A bricklayer should consider public liability insurance, employers’ liability insurance (if you have employees), tool insurance, stock insurance, hired-in plant insurance (for rented equipment), own plant insurance (for equipment you own), contract works insurance, and personal accident insurance.

Aside from employer’s liability insurance, which you are legally required to have if you employ staff outside of your immediate family and in the UK, you do not need insurance. However, the risk of running any business, let alone a business with inherent risks, means it’s worth considering your insurance needs to prevent running into trouble.

What is bricklayers’ public liability insurance?

Bricklayer’s public liability insurance covers you if you or an employee injures or kills somebody or damages or loses their property while working. For example, if you drop a brick on a client’s foot or smash the window of their house, public liability insurance could cover the cost of compensation.

Why is bricklayers’ insurance important?

Bricklayers’ insurance is worth considering because, even if you’re very careful, all manner of things can go wrong while bricklaying. For example, you could injure yourself or a member of the public, or someone could steal your van, materials or equipment. Insurance will help to provide financial support in any of these events.

What car insurance do I need as a bricklayer?

If you drive a van to construction sites, you should consider the benefits of taking out commercial van insurance to protect your van and its contents against loss, theft or damage. Personal vehicle insurance won’t cover you for business use.

You can take out van insurance as a standalone policy through a car insurer as it won’t generally be included in a bricklayer’s insurance policy.

About the author

Henry Williams
Henry is passionate about helping individuals and businesses stay informed. Over the last 8 years, he’s written for startup and small business sites, with a focus on finance, insurance, and websites. Read more
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