Bricklayers insurance

What types of insurance do bricklayers need?

• Public liability insurance

  Bricklayers’ public liability insurance protects you if you accidentally injure a member of the public or damage their property. We offer this cover with limits ranging from £1 million to £5 million.
   
  Example of a claim:
   
  A member of the public trips over equipment you have left on a pavement and suffers a broken arm. They take legal action in order to secure compensation for their injury.

• Employers’ liability insurance

  If your bricklaying business has employees, even if they only work for you on a short-term or part-time basis, you’re required by law to have a minimum of £5 million of employers’ liability insurance in place. This cover protects you if an employee is injured or suffers an illness because of the work they do for you. Our policies provide up to £10 million in cover.
   
  Example of a claim:
   
  A worker falls from scaffolding while laying bricks at a height, suffering serious injuries as a result. They sue you for their suffering and lost earnings.

• Tools insurance

  Tools insurance covers the cost of replacing or repairing your tools if they are lost, stolen or damaged. We offer cover limits ranging from £1,000 to £5,000.

  Example of a claim:

  A garage where you keep some of your equipment is flooded, causing serious damage to important tools. You face the cost of repairing and, where necessary, replacing this equipment.

• Legal expenses insurance

  Legal expenses insurance can help to cover the cost of defending or pursuing legal actions against other parties such as suppliers, clients or employees. This could be for contract disputes, tax enquiries (including IR35), attending jury service, debt recovery, personal injury, as well as any award you are required to pay following an employment dispute with an employee. There is a limit of £100,000.

• Occupational personal accident insurance

  Occupational personal accident insurance is there to support your income if you can’t work because of an injury you suffer while at work or on your way to or from a job. Depending on the nature of your injury, it provides either weekly payments or a lump sum.

• Owned plant insurance

  Owned plant insurance cover the costs of repairing or replacing your own plant machinery, such as cement mixers, trailers and generators, if they are stolen or damaged. Cover limits are available from £10,000 to £50,000.

• Hired in plant insurance

  Hired in plant insurance cover the costs of repairing or replacing plant machinery that you've hired from a third party. This can include machinery such as concrete mixers if they are damaged or stolen. Cover limits are available from £10,000 to £50,000.

• Contract works insurance

  Contract works insurance covers the work you and your employees are completing on a construction site. If your work is affected by a flood, fire, theft or malicious damage, this insurance can cover the costs of repairing or redoing the work.

• Goods in transit insurance

  Goods in transit insurance covers you if goods are lost or damaged while in transit from one location to another. This can be either goods transported in your own vehicle, or on your behalf by a third-party carrier.

• Professional indemnity insurance

  If you offer professional services for a fee, such as providing advice or designs, you may need professional indemnity insurance. This protects you if a client takes legal action against you because of a mistake you have made in your services.