Our bricklayers’ insurance policy is tailored specifically to meet the needs of bricklayers. Here are some of the key covers we offer:

Public liability insurance

Public liability insurance is designed to protect you against losses that could come from injury you cause to a third party, or damage you cause to property whilst on the job. If your business is in contact with clients or members of the public, you should consider this insurance type. This type of insurance is the base for most tradesman insurance policies. Our public liability insurance has cover limits from £1 million to £5 million, so you can choose what suits best for your business.

Tools insurance

Tools insurance covers the cost of replacing or fixing tools that are lost, damaged, or stolen due to a fire, flood, or theft from your van. It includes power tool insurance, covering equipment such as sanders, drills, nail guns and angle grinders. Handheld tools are also protected, ranging from saws and chisels to hammers and screwdrivers. You can choose between regular 8am-6pm cover or 24/7 cover to fit your needs.

Professional indemnity insurance

Professional indemnity insurance is there to protect you if your advice, designs, or expertise end up causing a customer to lose money. Let’s say you advised a client that a wall could be safely extended without additional support. Months later, the extension cracked due to inadequate load-bearing capacity. Your client then sued you for repair costs, but luckily professional indemnity insurance covered the legal defence and compensation. This insurance steps in to cover the costs from negligence claims, saving you from financial loss.

Employers’ liability insurance

Employers’ liability insurance is a legal requirement for businesses with employees. It’s there to have your back if an employee gets hurt or ill because of their work. Most claims for employers’ liability come from everyday mishaps like slips, trips, and falls, which are quite common in trades industries. Having this insurance means you can handle these incidents without worry, knowing you’re covered for the unexpected. Unless you are exempt from paying employers’ liability insurance, the Health and Safety Executive (HSE) can fine up to £2,500 a day for businesses who don’t have the necessary cover in place. You can also get fined if you fail to display your employers’ liability insurance certificate.

Legal expenses insurance

If you find yourself in a legal dispute, legal expenses insurance can help by covering your legal fees, court fees and other associated expenses such as the costs of hiring solicitors or experts, so you can focus on running your business. For example, if a customer refuses to pay you after a job, legal expenses insurance can cover the cost of hiring a solicitor for legal advice on how to resolve the issue.

Occupational personal accident insurance

Occupational personal accident insurance is a safety net for a bricklayers, ensuring financial protection when you face an injury or accident on the job. Whether you’ve had a minor mishap that keeps you off work for a few weeks or had a life changing accident, this insurance steps in to cover a range of incidents. This policy is there to make sure you’re financially supported during your recovery period, so you can focus on getting back on your feet without fretting over lost income.