Do Bricklayers Need Insurance?

Running any business comes with unique risks and challenges. For bricklayers, this is no different. You face many on-the-job hazards due to your trade, but also the everyday trials of running a small business. Many things could go wrong, whether you’re building a wall or doing the books.

That’s where insurance for bricklayers comes in. Bricklayer insurance is one way to help manage the risks of being a brickie and running your own business. Without it, you could be responsible for massive bills for anything from damaged tools to job site injuries.

Here’s a closer look at why brickies consider insurance and the types of policies you might choose for your business.

Why do bricklayers buy insurance?

There are many reasons why brickies get insurance for their small businesses. Here are a few:

Accepting jobs

Both commercial and residential bricklayers may need insurance to be hired. Many companies require contractors to have insurance to work for them. You might be asked to sign a contractor or subcontractor agreement that includes this requirement. It may even list the exact amount of bricklayer insurance coverage you are supposed to have.

Renting commercial space

If you plan on leasing a warehouse, workshop, or office, you’ll probably need insurance. Commercial landlords typically require that tenants have insurance to rent their premises. These requirements, including cover amounts, are typically listed in the lease agreement.

Protecting their business

So, what if bricklayer insurance isn’t mandatory for the reasons listed above? You may not be obligated to buy policies, but you still might want to. Insurance for bricklayers can help protect you and your business against common hazards that could empty your wallet or put you out of business.

What types of bricklayer insurance is available?

There are many types of insurance for bricklayers available in Australia. Here are some common policies that you might consider:

Public Liability*

As a brickie, you might interact with many different people as you work. Other contractors, homeowners, suppliers, and delivery people are just a few examples. Working closely around others and inviting people into your business premises could lead to headaches for you.

Public Liability insurance covers legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity.

Property damage and injury claims brought by third parties are common for tradies. Public Liability helps you handle them by paying some expenses related to covered claims.

Personal Accident & Illness*

Bricklaying is hard work. Staying fit and healthy may be a priority for you. However, a simple accident could put you on the injured list and seriously impact your ability to earn a living.

Personal Accident and Illness insurance can provide cover should you become permanently disabled or pass away as a result of an accident. Cover can also include a weekly benefit for loss of income if you are unable to work as a result of an unexpected injury or illness (even if it occurs outside of your employment).

This type of insurance may be a nice backup plan if you’re ever unable to work due to an accidental injury, illness, or permanent disability. And because cover applies 24/7, you’ll be protected even when you’re on holiday!

Business Insurance*

What else could go wrong for a bricklayer? A lot, actually! To make things simpler, you might consider insurance that takes care of many common risks in one convenient package.

Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks.

Depending on your bricklaying business needs, you might choose different types of cover, including Portable Equipment* and Business Interruption*.

Find Insurance for Bricklayers Now

Bricklayer insurance could be an important tool for your growing business! Policies are designed to help protect you against everyday risks that could potentially drain your bank accounts or put you out of business.

Why not compare insurance for bricklayers right now? Public Liability Insurance makes it simple for brickies to get covered and back to work—no complicated paperwork or waiting for a phone call! Just answer a few questions to get started.

* This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.