Hod Carrier Insurance

Specialist hod carrier insurance from £8 a month*.

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Construction sites are dangerous places, and as a hod carrier, you face more risks than most. This is difficult, heavy work, and so there is always a chance of accidents.

From lifting a load incorrectly and injuring yourself, to dropping bricks and causing property damage, there is the constant threat that something will go wrong. If it does, your finances could take a major hit. So, whether you work alone or you employ a team, you’ll need insurance in case things don’t go to plan.
 
At Markel Direct, we provide tailored hod carrier insurance that will cover you for the unexpected.

What is hod carrier insurance?

Working as a hod carrier, you have very specific requirements when it comes to financial protection. Hod carrier insurance is there to cover you against the risks you face in your profession. One type of protection that is often considered vital in your line of work is public liability insurance. Other forms of cover that are commonly included in hod carrier insurance include tools protection, employer’s liability insurance and occupational personal accident cover.
 
At Markel, we offer a full range of cover options to hod carriers.

Public liability insurance for hod carriers

It’s an unavoidable fact that working as a hod carrier brings with it the risk that you will cause injury or property damage to a member of the public. For example, while carrying bricks down a customer’s driveway, you might trip, causing the bricks to be propelled at a parked car. In a situation like this, would you be able to afford the repair bill? Or a customer or member of the public might fall over tools you have left on the ground, suffering injuries as a result and leaving you facing significant legal bills and compensation costs.
 
Incidents like these can happen at any time, potentially putting your finances in peril. But if you have hod carrier public liability insurance in place, your finances will be protected. This type of insurance covers the costs of compensation payments and legal fees.  

Do I need hod carrier insurance?

As a hod carrier, you are likely to need certain types of insurance. Public liability protection is typically chief among these. Carrying heavy loads such as bricks in hazardous environments, and often working against the clock to keep the supply of materials running smoothly on site, means there is always a chance that an accident will happen.
 
What if you drop bricks, stones or other heavy loads on site, damaging machinery, materials or customers’ belongings? Could you foot the bill for repairing the damage? Or perhaps a brick falls from your hod while you’re working on a raised platform, landing on a passer-by and causing significant injuries. You might find yourself subject to costly legal action in such scenarios. Unless you could afford to pay these expenses yourself, you will need suitable liability cover in place. Some clients might even demand that you show evidence of having public liability protection before they will take you on for a job.
 
There’s also the ever-present danger that you will suffer an injury yourself that prevents you from working. Even if you take care to always use the correct lifting technique, you’re putting your body under major strain and so you can’t rule out the possibility of physical harm. What would happen to your finances if you were unable to work because of injury? With this in mind, you may need occupational personal injury insurance. There are your tools to think about too. Getting financial cover for your equipment means that if it is stolen, lost or damaged, you won’t be left out of pocket.
 
And if you have people working for your hod carrying business, you are legally required to have employers’ liability insurance in place.

Why choose Markel Direct for hod carrier insurance?

Hod carrying is difficult and sometimes dangerous work, so you need an insurance policy that’s there for you if things go wrong. Here are five reasons to select us as your cover provider.
 
✔ Tailored financial protection
You don’t want a one-size-fits-all insurance policy. With Markel Direct, you get the tailored cover you need, meaning you can protect your finances without spending more than necessary. 
 
✔ No hidden fees
Thanks to our fully transparent pricing, you won’t be hit with unexpected costs when you purchase hod carrier cover from us. 
 
✔ Customer feedback that speaks for itself
Don’t simply take our word for the quality of our tradesman insurance. Check out the impressive reviews we’ve received on Feefo.com.
 
✔ Quotes in 90 seconds
Getting insurance from us is quick and easy. You can get a quote in as little as 90 seconds by simply completing our online form.
 
✔ Legal advice when you need it
We operate a 24/7 legal advice helpline staffed by expert solicitors, so you have access to legal guidance around the clock.

How to buy hod carrier insurance

Buying hod carrier insurance from Markel Direct is simple. All you have to do is complete our online form and we’ll get back to you in as little as 90 seconds. If you decide to go ahead, you can start your cover straight away or arrange it up to 30 days in advance.

How much does hod carrier insurance cost?

The price of your cover will depend on factors including how big your business is, whether you have employees, what sort of cover you’re looking for and the level of protection you need. Get a quote today to see how much our hod carrier insurance will cost you.

*Price based on a hod carrier requiring £1 million of public liability insurance.

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Cover starting from £8 a month

What types of insurance do hod carriers need?

  • Public liability insurance

    Public liability insurance is there to protect you as a hod carrier if your business causes property damage or personal injury to a member of the public. It covers the costs of legal fees and compensation payments. We offer policies with limits starting at £1 million and rising to £5 million.
     
    Example of a claim:
     
    You trip while carrying bricks in a customer’s back garden, causing the bricks to land on and seriously damage patio furniture. You have to cover the cost of replacing the damaged furniture.

  • Employers' liability insurance

    Employers’ liability insurance offers protection if a worker is injured or made ill by their work. By law, you must have a minimum of £5 million of this type of cover in place if you employ anyone. Our policies have a cover limit of £10 million.
     
    Example of a claim:
     
    A worker suffers a serious injury to their back while carrying a heavy load. They sue you for their suffering and loss of earnings.

  • Tools insurance

    Tools insurance covers the cost of replacing or repairing your tools if they are damaged, stolen or lost. Choose from cover limits of between £1,000 and £5,000. You can decide whether to insure your tools 24/7 or during working hours only (8am – 8pm).
     
    Example of a claim:
     
    While you are parked near a building site you are working on, thieves break into your van and steal a number of expensive pieces of equipment. You have to purchase replacements.

  • Occupational personal accident insurance

    Occupational personal accident insurance gives you financial support if you can’t work because you’ve suffered an injury as a result of your work. It may provide one lump sum or weekly payments, depending on the nature of your injury.

  • Owned plant insurance

    Owned plant insurance covers the cost of repairing or purchasing new plant machinery you own if it’s damaged or stolen. Our policies offer cover limits of between £10,000 and £50,000.

  • Hired in plant insurance

    Hired in plant insurance protects you if plant equipment you have hired from a third party is damaged or stolen. Our policies come with limits ranging from £10,000 and £50,000.

  • Contract works insurance

    Contract works insurance provides protection if work you’ve carried out on a construction site needs to be redone due to fire, flooding, theft or an act of malicious damage.

  • Goods in transit insurance

    Goods in transit insurance provides compensation if your goods are damaged or lost while being transported from one location to another. It covers items being moved by your own vehicles or a courier.

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Cover starting from £8 a month

Frequently asked questions

  • When should I get hod carrier insurance?

    It’s advisable to take out hod carrier insurance before you begin your first project for a client. You never know when something will go wrong, so it makes sense to have financial cover in place from the outset.

  • Is business insurance a legal requirement for hod carriers?

    Most types of business insurance are not a legal requirement for hod carriers. The exception to this is employers’ liability cover. If you have people working for you, even if they’re part-time or temporary employees, by law you must have this type of protection in place.
     
    While other forms of cover aren’t legally required, lacking appropriate insurance could put your finances in danger.

  • Can I just cover my most expensive tools?

    When you come to us for your hod carrier insurance, you must cover all of your tools. This means that you’re fully insured in the event you need to make a claim. If you lack protection for some of your equipment, this may result in your claim not being covered, or it could mean you get a smaller sum in compensation.

  • How is Markel regulated?

    Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority. If you would like to find out more, visit the Financial Services Register.

Access free legal services for your business when you arrange cover with Markel, including:

24 hour legal helpline 24/7 access to a legal advice helpline manned by qualified solicitors

Legal hub access Access legal templates and resources with the Markel Business Hub

 Receive discounted IR35 contract reviews with your policy

 Expert management of public relations crises with The Counsel House

Cover starting from £8 a month