Insurance For Bricklayers
- Public Liability And Portable Equipment Cover
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Why do Bricklayers need to Consider Insurance?
Working for yourself as a brickie can be a great way to take charge of your career. Whether you work with residential homeowners or on commercial worksites, running your own small business gives you the opportunity to choose the projects you take and set your own schedule.
Like any trade, there are risks that come with bricklaying and stone masonry. A simple mistake or accident could crumble the business you are building. Insurance could be the keystone of your business’ risk protection plan.
There are many types of insurance available to help bricklayers minimise the risks their small businesses may face. These include everyday events like accidentally damaging a customer’s belongings, having your tools stolen, or being unable to work because you are injured.
Bricklayers may also get insurance for better employment options. Many contractors will not hire a subcontractor unless they have their own insurance coverage. Brickies may be asked to show proof of insurance before they can begin working on a project.
Did you Know?
Brickies often decide to take out insurance to protect the tools and other equipment they need to do their job and run their business. Portable Equipment insurance could help you repair or replace items such as a masonry saw, cement mixer, smartphone, or laptop.
What Insurance do Bricklayers need?
There are many types of insurance that bricklayers might consider getting to protect their small businesses. Here are some of the most common policies that brickies think about:
Public Liability Insurance*
This is an essential form of coverage for many tradespeople and small businesses.
Public Liability insurance covers legal fees and compensation costs if a third party (such as a customer, member of the public, or a supplier) claims against you for injury or damage to their property caused by your alleged negligent business activity.
Accidents happen every day, and one could be financially damaging for your small business. Even a small mishap, like another tradie tripping and falling over your toolbox, might cause an expensive public liability claim. You could also accidentally damage someone else’s property, no matter how carefully you might be working.
A Public Liability policy helps protect small businesses against events like this and others. Injury and property damage claims can be expensive, and without insurance, they might even put you out of business. Public Liability insurance can provide bricklayers with important peace of mind, so they can focus on the work of growing their business.
You might be required to have a minimum amount of Public Liability coverage to be hired as a sub-contractor or to lease commercial a warehouse or workspace.
Portable Equipment insurance*
Many tradies, including brickies, consider insurance options for protecting their tools of the trade and other essential equipment.
Portable Equipment insurance covers you for loss and damage to your tools and stock due to theft, fire and other perils listed in the wording. These policies commonly protect specified items, such as tools, business equipment or electronic items. They may also include unspecified items of lower value.
A stolen toolbox or damaged masonry saw is more than just a headache for a bricklayer. Not having the tools you need could create delays in finishing current projects and missing out on new jobs. You might struggle to get enough money together to buy or rent replacements, and you may end up taking on credit card debt to keep your business going.
Portable Equipment insurance helps shoulder the cost of repairing or replacing tools and other equipment you need to run your business. This might include your laptop, smartphone, and credit card reader.
Personal Accident and Illness Insurance*
Brickies might also think about insuring another essential tool of the trade: themselves!
Personal Accident and Illness insurance can cover your income and provide benefits for permanent disability and even death if you’re unable to work due to illness or injury. These policies typically protect you from events that happen inside and outside of your employment.
Bricklaying is physical work, and protecting your physical health could, in turn, help protect your ability to earn a wage. Consider this: What would happen to your business if you were seriously injured? If you might struggle to pay the bills while you’re recovering, then you may want to consider Personal Accident and Illness insurance.
These policies can provide a weekly benefit while you recover from a serious injury or illness. You can also choose coverage to assist you and your family if you suffer a permanent disability or pass away as the result of an accident.
Business Insurance*
For bricklayers looking for convenient and affordable insurance coverage, a Business Insurance package might be worth considering.
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). It can also be customised to provide cover for your portable equipment, glass, and loss of revenue due to business interruption in specified circumstances. Cover is also available for public liability, tax audit, employment practices and statutory liability risks.
As a brickie, you face many risks in your line of work, but you probably don’t have the time to find separate policies to address them all. Business Insurance is a practical way to protect your business against common hazards and those that are unique to your small business. Your Business Insurance can be customised to include only coverages that suit your needs.
Things to Consider When Choosing Bricklayers Insurance
There are many factors to take into account when choosing insurance coverage for your business. Many business owners ask themselves these and other questions to help them weigh their options:
- Do contractors or clients that you work with require you to have a minimum level of Public Liability coverage?
- Do you know how much your tools are worth? Could you afford to repair or replace them if they were damaged or stolen?
- Could you afford to take time off work if you were seriously injured or fell ill? What would happen to you and your family if an accident left you permanently disabled or you passed away?
- Do you own or rent a business premise that needs to be insured?
- Is your business financially prepared for unexpected interruptions that could keep you from working?
Getting the Right Insurance for Bricklayers
Public Liability Australia makes it simple and easy to protect your small business with insurance cover, including Public Liability, Portable Equipment, Personal Accident and Illness, and more.
No two brickies are the same, and neither are your businesses! That’s why we offer a variety of insurance options to help busy tradies get covered and get back to work.
Protecting yourself as a bricklayer has never been easier. It only takes a few clicks or a phone call to compare multiple quotes from some of the leading insurers in Australia.
* 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.
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