A Video Guide to Bricklayers Insurance
Watch our quick video guide to get to grips with the most important features on bricklayers insurance, including an explanation of liability insurance for bricklayers and optional covers available specifically for your trade.
Bricklayers Insurance: Video Transcript
Hi, my name is Lorna and I’m an adviser for Towergate.
In this video we’re going to talk about the main features of a bricklayer’s insurance policy.
So what is difference between Bricklayers Insurance and a standard business insurance policy?
The truth is that in essence, they are the same, it’s just that a bricklayers policy packaged with the right variation of standard and optional covers mean it can be tailored specifically to your industry.
This way you get what you need, and don’t pay for what you don’t.
So what does Bricklayers Insurance cover you for?
It can cover you for most types of bricklaying work including
-
New buildings or repairing old buildings
-
In private and commercial properties
-
Surveying or quoting
-
Public contracts
-
Working on site, including provision of ‘verification of insurance’ documents
-
And even other types of work you might do such as, carpentry or building.
Bricklayers Liability Insurance
With a bricklayer insurance policy via Towergate we will create a tailored package of liability insurances that can include:
Public Liability Insurance for Bricklayers
For a bricklayer public liability cover means protection should a customer or member of the public get injured while you’re working. That could be on or off site. The usual levels of cover are 1 million, 2 million, 5 million and in some cases 10 million.
But be careful because often public contracts can require cover at the higher end of that scale.
Employers' Liability Insurance for Bricklayers
This is a legal requirement for nearly all UK businesses and offers similar cover – but for your employees.
You need this cover if you employ anyone other than yourself or a family member, including full time, part time or temporary staff, contractors and even interns.
After liability there are various other covers which can be added, removed, raised or lowered at any time and they include:
Tools Insurance for Bricklayers
This covers the equipment you use to perform your job. Some bricklayers have their own equipment, some hire it and some a combination of both. Once you calculate the amount your tools are worth and roughly how often you hire equipment your insurer or broker can then source you a policy that includes the right level.
If you leave your equipment in your van, on site even in your shed, as long as you can keep them locked, you can find cover for them.
Contract Works Insurance for Bricklayers
Contract works cover is to insure the value of your building contract. This means that if an insured event such as fire or a storm damages a project or holds it up you can claim the costs on your policy.
And don’t forget that if you have a work van, business premises, a home office, or anything else we can advise and quote on the right cover for you.
For more advice on bricklayers insurance give us a call directly or browse the site for more videos and guides.
This is a marketing article by Towergate Insurance.
Do you want to read more?
We've got loads of business articles, tips, guides and videos. Take a look below for more.
A Guide To Professional Tradesman Insurance Cover
Tradesman insurance is an umbrella term for any business or person who works performing a trade or service to the public. Yet with hundreds of different trades, how do you...
View article10 Tips for Sole Traders
Here are some top tips to keep your business running smoothly with our sole trader insurance.
View article11 Business Experts Share the 3 Lessons They’ve Learned the Hard Way
Exciting as it is, the process of taking your business to the next level can present a few nasty surprises. Featuring advice from top CEOs, founders, writers and coaches,...
View article