Public liability insurance for bricklayers
Public liability insurance is a cornerstone of any bricklayer’s coverage. This policy protects you if your work accidentally causes injury or property damage to a third party.
For example:
- A stray brick chips a neighbour’s car window.
- A passerby trips over materials left on-site.
Public liability insurance for bricklayers covers legal fees and compensation costs, saving you from out-of-pocket expenses. It’s particularly crucial for self-employed bricklayers who need to protect their livelihood.
Other business Insurance for bricklayers
Insurance for bricklayers doesn’t stop at public liability. Here are other key policies to consider:
Professional indemnity insurance
If you offer advice or design input, professional indemnity insurance is vital. This policy covers you if a client claims your recommendations caused financial loss or structural issues. For example, an error in your suggested wall design leading to costly corrections could be covered.
Employers’ liability
If you employ staff or subcontractors, employers’ liability insurance is a legal requirement in the UK. It protects you against claims for injuries or illnesses suffered by employees while working. From a ladder mishap to a strain injury, this coverage keeps you compliant and financially secure.
Tools & materials
Bricklaying tools aren’t cheap, and losing them can halt your work. Tools & materials insurance covers theft, loss, or accidental damage to your equipment. Whether it’s a stolen masonry saw or damaged levels, this policy ensures you’re back on-site without delay.
Own & hired in plant
Large-scale projects often require hired equipment like scaffolding or cement mixers. Hired-in plant insurance protects against damage or theft of rented items, saving you from unexpected costs and ensuring your project stays on track.
