Understanding bricklayers insurance
We’ll build you a policy, brick by brick
As a professional bricklayer, a bricklayers insurance policy will help you protect yourself and your business from risks associated with your trade. Whether you only need a general builder’s insurance policy or you are a specialist in a specific area of building work such as domestic or commercial buildings, we can help you save time and money on your builders insurance or bricklayer’s insurance policy and tailor your policy to suit your requirements.
At The Insurance Octopus, our comprehensive cheap business insurance policies are designed to allow you to add, remove, increase or decrease all areas of your policy. You will be able to personalise your low cost bricklayers insurance to exactly how you want it, ensuring you have all the essential cover you need in one simple business insurance policy.
What your bricklayers insurance policy includes
Public Liability cover
Public Liability insurance covers your business if someone gets hurt or property is damaged in the course of your work. Standard levels of cover are £1, £2m, or £5m and higher levels are available upon request subject to insurers terms and conditions. Public Liability will protect you should there be a legal case for injury or damage.
Employers Liability cover for bricklayers
Employers Liability insurance is a legal requirement if you employ anyone or pay sub-contractors to complete works on your behalf with your tools and equipment. An Insurance Octopus standard Employers Liability insurance policy is £10m cover.
Contract Works or Contractors All Risks cover
Contract Works or Contractors All Risks cover will insure your construction works plus materials should they be damaged or the materials stolen prior to completion. The policy will also cover the additional labour costs to rebuild the work previously completed along with cover for your own or hired plant. An example of this would be if you are completing an extension and it is damaged or destroyed by fire; you would have to complete the work again. Contract Works cover will provide the protection you need in this instance. Contract works insurance is available as a single one off policy or as a yearly policy.
Plant and Tools cover
Plant and Tools cover will protect your tools of your trade whilst working on site such as a construction or building site.
In addition to our standard tradesman and contractors insurance package, if you are a specialist in a particular field of bricklaying you may need to amend your policy to be specific to your business. With The Insurance Octopus you can specify specific areas such as working up to 50 meters in height, having over 75% of your work using heat or working deeper than the standard 2-3 meters. Give us a call today to find out more information about additional cover for your policy.
Why you need bricklayers insurance
There are many risks associated with being in a trade specific occupation, and there are areas of risk that you may need to consider when looking for business insurance. It’s important to get the right cover to protect your business. Your business insurance policy from The Insurance Octopus will include fundamental elements of insurance that a tradesman or contractor could need while working including liabilities and full tool and equipment cover. You also have the flexibility of having additional covers added to your policy to suit the needs of your business.
Bricklayers Insurance FAQs
How can I add additional protection for my tools?
We can tailor any insurance we offer to fit with the specific needs of any customer. If you wish to add in cover for your tools, you need to speak to one of our friendly team over the phone and discuss your needs with them. You will be able to run through your concerns, and we will be able to find the perfect cover to make sure your tools are included in your bricklayers’ insurance.
Do bricklayers need personal accident cover?
The short answer is no, but it is highly advisable to take it out. A bricklayer is exposed to various risks, and an accident or injury could leave you unable to work either temporarily or permanently. In the event of something like this happening, personal accident cover could provide you with the lifeline you need to maintain an income while you recuperate, or while you look for a new line of work.
Why does a bricklayer need insurance?
In any trade, there is a risk that your work (and things associated with it) could cause damage or harm to property or people. When this happens, and you are liable for the cost of the damage, having insurance that covers you will prevent you incurring substantial costs that could cause catastrophic damage to your business or personal finances. Having cover is the safest option for you.
Providing the necessary insurance for brickies
throughout the UK; giving ultimate peace of mind
Compare bricklayers insurance
One of our tradesman insurance experts will discuss your business requirements with you and look to compare quotes from leading and niche insurance providers, ensuring that you get a bespoke policy where you only pay for the cover you need.
Arrange hassle free cover
Bricklayers insurance can be arranged through our panel of UK insurers covering you for sector specific situations as required. We can provide you with your business insurance and documents on the same day in most cases (subject to time of day restrictions), offering a range of flexible payment options, including Direct Debit.
Why choose The Insurance Octopus for Bricklayers Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for Tradesmen – with more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
An expert who knows your industry
We’ll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
How Bricklayers Insurance works
Examples of Bricklayers Insurance in action
£1,000 for Clumsy Carrying
A bricklayer was building a new wall in the back garden of a client’s home. To get his materials into the rear garden, he had to carry them up the driveway and through the house, as there was no side gate. While carrying some bricks past the client’s car, he accidentally scraped it along the side and scratched the paintwork. Fortunately, the bricklayer had public liability insurance in place, which covered the cost of the vehicle repairs with a payout of £1,000.
Other types of Tradesmen Insurance we can provide
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