Bricklayer insurance
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Rated 4.7/5
Based on 39,252 reviews
Claims paid in 24 hours
For 80% of settled claims
Why do you need bricklayers insurance?
From property damage to equipment theft, your work comes with specific risks. Would you be ready, if an expensive claim hit the business? Starting at £6.77* a month, we cover thousands of tradespeople every year. Whether it’s a bricklayers’ public liability case or equipment theft, our 24/7 claims team are UK-based and know your trade.
- public liability insurance for self-employed bricklayers starting at £1 million
- protection from big claims for accidental injury or damage
- optional personal accident cover for your own accidents and injuries
What does bricklayers insurance cover?
We’ll start with public liability insurance for bricklayers, built to keep you covered against claims for accidents and injuries. We provide between £1 million and £5 million public liability cover for self-employed bricklayers, and you can add employers’ liability cover if you need it too, plus things like tools and plant machinery protection.
Public liability insurance for bricklayers
In case you or your employee injure someone or damage their property.
Employers’ liability insurance
In case an employee gets sick or injured while working for you.
Tools insurance
In case your bricklaying tools are lost, stolen or damaged.
Stock insurance
In case materials you're responsible for, like bricks, are lost, stolen, or damaged.
Business and office equipment insurance
In case things like laptops or office filing cabinets are lost, stolen, or damaged.
Hired-in plant insurance
In case your rented plant machinery, like a cement mixer, is lost, stolen or damaged.
Own plant insurance
In case your own plant, like a mortar-making machine, is lost, stolen or damaged.
Contract works insurance
In case your bricklaying gets damaged by disasters like fire, flood or vandalism.
Legal expenses insurance
In case you’re faced with legal costs from running your bricklaying business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
Public liability insurance for bricklayers
In case you or your employee injure someone or damage their property.
What’s typically covered by public liability insurance?
Claims against your business for:
- property damage, caused by your work
- injuries caused by your business activities
- accidental damage or injury caused by your employees, if you have any
If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.
For example:
- you drop a brick from three storeys up, damaging your client’s car
- a member of the public trips and falls over machinery you’ve left on the pavement, injuring their wrist
Read more about public liability insurance
Employers’ liability insurance
In case an employee gets sick or injured while working for you.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an employee, including a temp or casual labourer, suing you after falling ill because of working for your bricklaying business, or
- making a claim for an injury they’ve had while working for you
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- you fail to provide a trolley for your contractor to move bricks around the site – as a result, they injure their back carrying the bricks around
- a casual labourer falls off a ladder while working for you, injuring their back and shoulder – they need an operation, time off work and ongoing physio
Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.
Tools insurance
In case your bricklaying tools are lost, stolen or damaged.
What’s typically covered by tools insurance for bricklayers?
- loss, damage or theft of your hand tools, power tools and specialist bricklaying equipment
For example:
- your tools are stolen from an alarmed garage while you’re on holiday and need replacing
- a contractor drives over your toolbox while on site, damaging some of your kit
What you’ll need additional cover for
- larger plant items you use to carry out your work – you’ll need to add our specific plant cover for these
Read more about tools insurance
Stock insurance
In case materials you're responsible for, like bricks, are lost, stolen, or damaged.
What’s typically covered by stock insurance for bricklayers?
- loss, damage or theft of your work materials, or items you’re planning to sell
For example:
- you’re in a minor road accident while driving back from the wholesaler’s and some of your stock gets damaged
- the bricks you’ve ordered for a new contract are stolen from your locked garage
Read more about stock insurance
Business and office equipment insurance
In case things like laptops or office filing cabinets are lost, stolen, or damaged.
What’s typically covered by business and office equipment insurance?
- theft, flood, fire or accidental damage to the equipment you use to run your bricklaying business
- operational equipment like your laptop, rather than the trade tools you take out and about
For example:
- you spill water from the kettle onto your laptop at lunchtime, damaging the keyboard
- the printer and expensive ergonomic chair you’ve bought are stolen in a break-in at your home office
Read more about business and office equipment insurance
Hired-in plant insurance
In case your rented plant machinery, like a cement mixer, is lost, stolen or damaged.
What’s typically covered by hired-in plant insurance?
- loss, damage or theft of things like diggers and mortar-making machines which you’ve hired in
For example:
- a cement mixer you’ve hired gets damaged while you’re moving it onto your your works site
- you’ve hired an extra mixer for a bigger job and it gets stolen during a site break-in
What you’ll need additional cover for
- tools and plant machinery which you own yourself – you’ll need to add our specific own plant insurance or tools cover for this
Read more about hired-in plant insurance
Own plant insurance
In case your own plant, like a mortar-making machine, is lost, stolen or damaged.
What’s typically covered by own plant insurance?
- loss, damage or theft of things like your own brick-making or dry mortar machine
For example:
- vandals break into your works site and put dirt and soil in your cement mixer, causing serious damage
- your small digger is stolen from the client’s driveway
What you’ll need additional cover for
- plant machinery you’ve rented – you’ll need to add our specific hired-in plant cover for this
Read more about own plant insurance
Contract works insurance
In case your bricklaying gets damaged by disasters like fire, flood or vandalism.
What’s typically covered by contract works insurance for bricklayers?
- repair costs for the bricklaying you’re doing, if it’s destroyed or damaged
- labour, materials and tools to get the job back to the stage it was at before it was damaged or destroyed
- damage caused by things like fire, flood, storm, vandalism or theft
For example:
- while you’re laying bricks for a new house, an electrician working on the same site makes a mistake resulting in a fire – your work is destroyed and the project gets delayed by a month
Read more about contract works insurance
Legal expenses insurance
In case you’re faced with legal costs from running your bricklaying business.
What’s typically covered by legal expenses insurance?
- legal expenses resulting from your day-to-day business activities, like disputes with employees
- the cost of legal claims relating to property damage, nuisance or trespass
- HMRC investigations, or tax and compliance issues
- includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis support to help you protect your reputation, as a trusted tradesperson
For example:
- your customer is refusing to pay an invoice, disputing your work on his extension which ran over deadline by two weeks
- an employee raises a dispute with you over his contracted hours and breaks
Read more about legal expenses insurance
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
What’s typically covered by personal accident insurance?
- injury or death at work or elsewhere, for anyone covered on your bricklaying policy
- lost income, medical costs and hospitalisation benefit
For example:
- you’re away with friends at the weekend and slip in a bar, spraining your ankle and forcing you to take three weeks off work
- your casual labourer drops a brick on their foot while working, breaking a toe
Read more about personal accident insurance
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
How much does bricklayer insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £6.77 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 Jan 2021 - 31st August 2021). Most customers pay more than this but some pay less.
Example bricklayer insurance quotes, real prices
£9.66 /month
£76.59 /year
A self employed bricklayer working on residential builds in the local area
- Less than 1 years' experience
- Sole trader
- No employees
- Based in Leicester
Public liability
£1,000,000
Employers liability
Not included
Tools
Not included
£76.83 /month
£682.92 /year
A small family run bricklaying business with 2 employees and 1 temporary worker
- 5+ years' experience
- Limited company
- 2 employees
- 1 bona fide subcontractor
- Based in Cardiff
Public liability
£2,000,000
Employers liability
£10,000,000
Tools
£8,000
How we work out example quotes These examples are real quotes from our online system (created 11/01/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
| Insurance cover | Lowest excess | Highest excess |
|---|---|---|
| Public liability | £100 | £2500 |
| Employers' liability | No excess | No excess |
| Tools | £60 | £500 |
| Stock | £100 | £500 |
| Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
How it works
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Is public liability enough for third party property damage?
Can I just cover my most expensive tools?
Which type of workers do I need insurance for?
Will tools insurance cover all my equipment?
Does groundworkers insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
Is public liability enough for third party property damage?
In some situations you may need more than public liability to cover certain kinds of property damage. Learn about Gardening insurance and Plasterers insurance.
Can I just cover my most expensive tools?
Make sure you cover the total cost of replacing all your tools or you’ll only get a proportion of your claim paid out if something happens to them. Learn about tool cover.
Which type of workers do I need insurance for?
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Will tools insurance cover all my equipment?
Depending on what you use to do your work, you may need other covers.
You may need more than tools insurance – for example, business equipment insurance if you have a work laptop, plant insurance if you use machinery.
Does groundworkers insurance cover my work correctly?
Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider builders insurance or groundworkers insurance?
Do I need cover for other types of work?
If you provide these services alongside building work, make sure you’re covered:
Other types of insurance
Which public liability cover limit should I choose?
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
Call our team
How does a bricklayer insurance claim work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
£30 million in claims paid out in 2019
Paying 80% of settled claims within 24 hours in 2019
Example claim
Having bricklayers’ insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.
Ash saved more than £2,600
While working on a client’s property Ash’s (not his real name) employee fell from some incorrectly supported scaffolding, causing multiple injuries. The claim was covered by Ash’s employers’ liability cover, set up as part of his bricklayers’ public liability insurance policy.
Insurance payout
£2,626.70
Covering the cost of accidental damage
Ash’s costs
£100
The excess amount stated in Ash’s policy terms
Chosen by 800,000 small businesses
We started out as a team of five back in 2005. We’ve grown since then with 600,000 customers across 1,500 trades now trusting us to provide their business insurance.
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Rated 4.7/5
Based on 39,252 reviews
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Bricklayers insurance FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about public liability insurance for bricklayers, along with other popular covers. You can also check out our business insurance FAQs.
Public liability insurance is a popular cover for many bricklayers and other trades – it’s designed to cover you for accidental damage and injuries to people outside of your business, if they claim that you were at fault. Is there a risk that a client’s property might get damaged for example, or a passer-by could get injured, because of your work?
Alongside public liability insurance for self-employed bricklayers, you may want to add cover for things like your tools and machinery, plus personal accidents that could take you away from your business. And if you employ anyone (including contractors or casual labourers), employers’ liability cover is usually a legal requirement.
Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a bricklayer, you may also do the odd groundworking job – you’ll need additional cover for this, but you can have it all on the one policy.
When you start your quote, you’ll have the option to add another trade or profession to your policy.
If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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