Business Insurance for Bricklayers*
Bricklayers need business insurance, including public liability insurance as bricklaying is high liability work, with frequent accidents on site.
People and property on site may be hurt or damaged due to accidents involving bricklaying work.
Examples include, someone tripping over bricks you left on site and hurting themselves , or causing damage to a client’s property when trying to squeeze through a tight spot with your wheelbarrow.
Bricklaying from heights is particularly risky, as bricks can fall and cause injury to a person or damage to a property.
Fortunately, suitable business insurance for bricklayers may provide protection against financial hardships that could arise from accidents, property damage, or legal claims caused by your bricklaying business activities.
Bricklayer business and public liability insurance may cover property damage, injuries to third parties that are caused by your bricklaying equipment and work activities.
What Insurance Do I Need as a Bricklayer?*
Some of the major types of business insurance covers available to bricklayers in Australia are explained below and include:
- Public Liability Insurance
- Business Insurance Pack
- Personal Accident Insurance
- General Property and Tools
- Commercial Motor insurance
- Plant and Equipment Insurance
Why do bricklayers need public liability insurance?*
Public Liability Insurance coverage is essential for all self-employed bricklayers.
Bricklayers need public liability insurance as bricklaying involves working with sharp tools and heavy materials that increase the probability of an accident on site.
People and property on site may be hurt or damaged due to accidents involving bricklaying work.
Protections offered to self-employed bricklayers by public liability insurance in Australia generally include:
- Injury to other persons due to your bricklaying activities –Where a bricklaying business activity causes harm to a third-party person. For example, a client ignores your warnings to stay away from the site and injure themselves when they trip and fall on bricks or equipment you left on site.
- Damage to others property due to your bricklaying activities – Where a bricklaying business activity causes damages to a third- party’s property. For example, a bricklayer may accidently cause damage in a client’s home while trying to squeeze through a tight spot with their wheelbarrow. Bricklaying from heights is particularly risky, as bricks can fall and cause injury to a person or damage to a property.
- Harm to other persons or other persons property due to your bricklaying business’s products – Where a bricklaying business’s products and goods supplied causes harm to a third party -person or a third- party’s property. For example, products a bricklayer has supplied, repaired, or manufactured cause harm, injure someone or cause property damage.
Public liability insurance coverage may protect bricklayers from claims that arise when others allege, they are negligent.
A bricklayer’s public liability policy may provide a defence against the ensuing lawsuit when needed and may pay the damages sought by the injured party.
Public Liability Insurance may provide bricklayers with protection for slip-and-trip accidents, accidents that damage client property.
Business insurance pack for bricklayers*
Bricklayers may be able to combine multiple covers in a single business insurance pack policy.
By ‘packaging’ your business insurance into a ‘business pack’ bricklayers can potentially cover many of the risks their business faces in the one policy.
For example, if a bricklayer has a commercial premises, a business insurance pack may provide cover for buildings and contents if they are accidentally damaged by a defined event, such as fire, storm, impact damage, accidental damage, vandalism, or malicious damage.
Other typical inclusions for bricklayers with a business insurance pack are Public Liability Insurance and Product Liability Insurance.
Optional inclusions for bricklayers with a business insurance pack are General Property, Contents, Machinery, Plant and Stock, Glass, Money, Business Interruption and Marine Cover.
Personal Accident Insurance for self-employed bricklayers*
As a self-employed bricklayer your personal safety is your livelihood.
Personal accident insurance for bricklayers may provide cover for 52 or 104 weeks and up to 85%* of weekly income at the time of the injury; depending on the amount of coverage agreed when the policy is taken out.
Time away from work from an accident will have a direct impact on a self-employed bricklayer’s income, and a long period away can negatively affect their savings, family, and lifestyle.
Personal Accident Insurance may help self-employed bricklayers pay for essential bills and other financial commitments if they have an accident.
General Property and Tools Insurance for bricklayers*
As a bricklayer, you are likely to have many tools and equipment that allow you to do your job, such as trowels, floats , screeds, brick carriers, and ironers.
If your property is damaged or stolen, your business cannot operate effectively.
General property insurance can help you keep operating effectively.
It can provide needed funds to replace your tools such as trowels, floats , screeds, brick carriers, and ironers.….and help keep you in business.
Commercial motor insurance for self-employed bricklayers*
Commercial motor insurance should be considered for bricklayers that drive their vehicle from site to site. Light trucks, vans and Utes may be covered.
Plant & Equipment Insurance for bricklaying businesses*
Plant & Equipment Insurance may provide cover for owners of small bricklaying businesses that operate equipment such as trestles, tool kits, brick elevators, mixers, wheelbarrows, and trailers.
Cover may provide bricklayers with protection for theft, damage, consequential loss, liability, road risk and machinery breakdown.
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What are the costs of Bricklayer Public Liability Insurance?*
How much does public liability insurance cost for self-employed bricklayers?*
Key factors in determining how much Public Liability insurance will cost a bricklayer include:
- The nature and scope of the bricklaying business. For example, the type of work performed by the bricklayer.
- The bricklaying business turnover and size. For example, is the bricklayer a sole trader that does 100% of the work themselves, or do they employee a team of 4 subbies?
- Amount of insurance cover the bricklaying business needs. Liability starts with $5 million cover, $10 million is popular with many self-employed contractors, $20 million cover is needed for bricklayers that work for large companies, on commercial sites or have a team of employees.
Public liability insurance cost for a self-employed bricklayer with no previous claims, starts from around $750* or $70 per month for $5 million Public Liability Insurance.
*** Please note ***: While cheap Public Liability Insurance can seem attractive on the surface it is important to ensure the policy covers you for the full business activities you undertake, and that the insurance policy and company will respond as intended when there is a claim. Costs may differ greatly from the above based on the bricklayers business size, clients, experience, and business activities. For many bricklayers, that work at heights or that have employees, costs will be a lot higher.
Do I need business insurance to work as a self-employed bricklayer in Australia?*
Self-employed bricklayers, or bricklaying small business owners, subcontracting for builders will typically be required by the builder to obtain their own public liability insurance to get on site. This is typical for contractors working for builders throughout Australia.
Many small business owners, and even retail clients, will also ask to see proof of a bricklayer’s insurance cover, called a certificate of currency, prior to awarding them work and ask for an update each year.
As a self-employed bricklayer, suitable business insurance may provide credibility and valuable protection against the cost of a claim too.
Key bricklaying activities that may be able to be covered include:*
- Seal foundations and spreads layers of mortar
- Lays bricks in rows, designs and shapes, and spreads mortar between the joints.
- Embed blocks in mortar and removes excess mortar.
- Cut, shape, and polish stones and bricks
- Repair and maintains bricks, cement blocks and related structures
Why do bricklayers need tools insurance?*
Bricklayers need tool insurance as tools are the lifeblood of bricklaying.
They help bricklayers just like you to complete work on time, and to deliver quality workmanship.
Bricklayers have a large number of tools compared to many other tradies. And good tools are expensive. If they break or are stolen, it can impact your ability to get the job done or cost you thousands to replace.
Without tool insurance, you may have to dig into your own savings or borrow money to get the tools replaced or repaired.
Different types of bricklayers that may be able to be covered:*
- Domestic bricklayers
- Restoration projects
- Commercial bricklayers
- Chimney Builder
- Refractory Bricklayer
- Retort Setter (Bricklaying)
Why should bricklayers use an insurance broker in Australia?*
If you are a bricklayer deciding on whether to use an insurance broker for your business insurance, it is important to consider that brokers act in the interests of the self-employed bricklayer.
Direct insurers and agents act for the insurer. This can be important; especially if you need to claim.
Brokers can help bricklayers by sourcing competitive quotes on policy inception, negotiate with the insurance companies to prevent or limit increases on renewal, remarket your policy to other suitable insurance companies where appropriate, talk to underwriters about policy wordings, industry classifications and terms, talk to insurance assessors during the claims process and repairers where necessary.
How do I get a bricklayers insurance quote?*
Simply TALK to a SMART Business Insurance broker on 1300 542 573 or contact us online for suitable and affordable public liability and business insurance quotes for your bricklaying business.