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.

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.

About the author

Mike Stephens FCII is a respected senior industry professional and Fellow of the Chartered Insurance Institute (CII) with well over 40 years’ varied experience in the commercial insurance sector as a director, underwriter, and operational improvement manager.