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Bricklayers Insurance
Compare bricklayers insurance quotes
Tailored insurance for self-employed bricklayers or small businesses
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Bionic specialises in business insurance for small business owners and sole traders
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What is...
bricklayers’ insurance?
Working as a bricklayer doesn’t come without any risks. When working from a height, with machinery and heavy-duty materials you could run into accidents, so protecting yourself, your clients, and the public while you are working is key.
Bricklayers’ insurance can include cover to protect your business if things go wrong. Even if you have health and safety procedures in place, you could see large compensation claims coming your way, which you could be left to pay without sufficient insurance.
Bricklayers insurance is tailored to suit the specific needs of your business activities and gives you peace of mind so you can focus on what’s important - carrying out your work.
Why do bricklayers need insurance?
As a bricklayer, people rely on your expertise and skills when carrying out a job, but mistakes can happen, and, in some cases, they can be costly. You could run into the following issues:
- You accidentally damage a client's property
- You injure yourself on the job
- Your valuable tools are stolen due to a break-in
- A fire or accident disrupts your business operations
- A client claims your work was faulty
- An employee or member of the public gets injured on-site
Did you know that some clients or suppliers may insist that you have public liability insurance before starting a job? Because of this, it’s essential to have the right insurance in place to protect against claims.
What can bricklayers insurance include?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance package could include:
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Public liability insurance
In case you injure someone or damage something while providing your services
Tool Insurance
Protects against theft, loss, or damage to your essential tools.
Are there any other optional extras to consider?
- Business equipment insurance - Covers you against theft or damage to any tools you use to carry out your work.
- Business interruption - Protects profits and cash flow of your business, helping ensure it’s in the same position after an incident as it would be without one happening.
- Legal expenses - Covers any legal costs associated with lawyers and taking legal action against common issues, such as disputes with clients or suppliers. Legal expenses cover can only be used if there is a good chance the claim will succeed.
Keep in mind, that most policies won’t include cover for equipment damaged by general wear and tear. Your insurer may also have specific terms and conditions you need to follow, so if you need to make a claim, it’s valid.
For example, it might specify you need to store your equipment away somewhere secure overnight to prevent theft. Always check your policy wording for specifics.
Is insurance a legal requirement for bricklayers?
If you have employees, employers' liability insurance is a legal requirement. It applies to almost all types of employees, including full-time, part-time, temporary, apprentices or volunteers.
How much does bricklayer insurance cost?
It’s difficult to give a solid figure for bricklayer’s insurance as it depends on your industry. But, the costs can depend on a number of factors, including:
- Extent of cover - The more policies you choose, the more expensive your package is likely to be.
- The nature of your work - The more risks you face day to day will play a part in how expensive your premiums are. For example, working from a height is riskier than sitting behind a desk.
- Location – Where you work is taken into consideration when working out the price of your premiums. For example, some areas have a higher likelihood of theft than others.
- Claims history - Whether or not you’ve had claims made against you or you have made previous claims may affect your future premiums.
Why choose bricklayers’ insurance with Bionic
At Bionic, we champion business owners as they’re the backbone of the UK economy and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to find you the right cover.
Our UK-based team helps business owners daily to compare policies to find the right insurer that fits.
The right protection can move with you to different jobs across the country and can be tailored for your business
James Barwell, Insurance Director
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
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