Buildsafe Tradesman Insurance

Bricklayers Insurance

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Bricklayers Insurance

Bricklayers insurance is a category of business insurance that is specifically designed to offer financial protection to bricklayers and others working with brick and brick materials. Should things not quite go to plan - or if an accident should occur - bricklayers insurance helps to minimise the financial impact on your business.

Bricklayers insurance is applicable to sole traders and limited companies working with brick in both domestic and commercial settings. It covers a wide range of jobs, from repairing a garden wall to building a raised flower bed to constructing new homes.

What does bricklayers insurance cover?

Every bricklayers insurance package will be different, with each bringing together various policies that can help to provide bricklayers with peace of mind that they’re protected should an accident or injury occur. However, in this line of work, most bricklayers insurance policies will be built around one critical product: public liability.

Public liability insurance protects bricklayers against any claims for injury, damage, or loss from both clients and from the public. This is particularly important within this industry as there are many risks that are posed to customers and passersby. For example…

Clients may be able to make a claim should mortar or muddy work boots damage their flooring, or if a wall that you or your employees have built collapses and injures them.

The public may be able to make a claim should you be working at height and drop a brick which damages a neighbours car, or if they trip over tools left on the pavement.

Other possible policies that may be included under a bricklayers insurance package include coverage for tools, your work vehicle, or dissatisfaction by a client. If you employ one or more workers, you’ll also need to ensure your package includes employer’s liability insurance, which is a mandatory legal requirement for some firms.

Do I need bricklayers insurance?

By law, bricklayers are only required to have employer’s liability insurance, and that’s only a requirement if the business employs one or more people from outside the family. However, bricklayers insurance is considered to be essential in such a high risk industry, and many trade associations will require a certain level of coverage for membership.

How the process of securing bricklayers insurance works?

  1. Research: Use resources like TrustPilot to review insurers offering bricklayer policies. Buildsafe are proud to hold a 4.8/5 rating
  2. Compare: Visit individual insurer websites to obtain and compare tailored quotes
  3. Decide: Choose a bricklayers insurance policy that best meets your own needs
  4. Customise: Add on any additional coverage such as tools cover
  5. Relax: You’re covered, and your business and livelihood are protected

Do I require bricklayers insurance?

Even if you are not legally required to have some forms of bricklayers insurance cover, having the right policies in place can mean the difference between returning to ‘business as usual’ status following an accident or unexpected event, and struggling to maintain your business while raising essential funds to pay legal fees or compensation.

As all bricklayers know, there is a significant skills shortage in the UK. Many incidents, from having your tools stolen to dealing with court proceedings, can mean you miss out on exciting new opportunities. Insurance helps to protect you, and your business.

How much does bricklayers insurance cost?

The cost of bricklayers insurance will vary depending on what type of policies you require, and the level of coverage you need to ensure you’re financially protected.

Other factors that can influence the cost of premiums include:

  • Your insurer
  • Your claims history
  • The size of your business
  • Where you operate

Always compare quotes from reputable insurers to find the best deal for you.

Why choose Buildsafe?

At BuildSafe, we see our role as an independent advisor, who reviews the merits of each policy to help you make well-informed comparisons. We also save you time in procuring quotes, analysing and comparing quotes, and negotiating the commercials.

The procurement of quotations is a time-consuming process. From form filling, providing documentation, chasing, reviewing and comparing terms, negotiating and finalising; we take the weight out of all of this for our clients allowing you to focus on actually developing your business.

Will I be paying more as you are a broker?

No. Our business is built on retention and referrals. It is essential to state that the insurer will release the same terms to us, as they would to you directly. We are able to use our position within the market to gain leverage with providers. This means we can generally gain more favourable terms than the market price and often help our clients save as much as 30%. We are paid by the insurer for introducing the business to them and this cost is included in the price quoted.