Bricklayer insurance
- Underwritten by Zurich Insurance Company Ltd.
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- UK-based expert telephone support
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Protect your business with bricklayer insurance from Trade Direct Insurance. Whether you're building extensions, constructing garden walls or working on larger construction projects, the right cover can help support your business finances if an insured event leads to a claim.
Bricklayer insurance explained
Bricklaying businesses face a variety of risks, whether working on residential extensions, commercial developments or larger construction sites. Materials, tools and equipment are often used in busy environments where multiple trades may be working at the same time.
Insurance for bricklayers combines different types of cover that can help support business finances if an insured event results in a claim.
Public liability insurance
Public liability insurance for bricklayers is a useful and popular cover type selected by businesses in the construction industry. It can provide protection if a third party claims they have suffered injury or damage to their property because of your work.
Cover is available across all bricklayer insurance packages, up to £5 million.
Employers’ liability insurance
If your business employs staff, employers' liability insurance may be required by law in certain circumstances. It can provide protection if an employee suffers an injury or illness connected to their work and brings a claim against the business.
Employers' liability insurance is available across all bricklayer insurance packages and can be added where required. Cover is available up to £10 million.
Professional indemnity insurance
Professional indemnity insurance can provide protection if a customer alleges your business caused them financial loss through professional advice or recommendations.
Professional indemnity cover is included within Classic and Plus policies.
Cover is available up to £100,000.
Tools cover
Bricklayers rely on a wide range of equipment, from hand tools and power tools to laser levels and other specialist items used onsite.
Cover can apply to handheld powered and non-powered portable tools, as well as laptops and tablets used for business purposes, subject to policy terms and conditions.
Tools cover starts at £1,000 and can be increased up to £15,000.
Temporary total disablement benefit
Available within Plus policies, Temporary Total Disablement Benefit can provide up to £600 per week if an insured person is unable to work due to a covered injury, subject to policy terms and conditions.
Why bricklayers need insurance
Bricklayers regularly work in environments where heavy materials, specialist equipment and members of the public may all be present at the same time.
Whether you're building residential extensions, laying foundations or carrying out structural brickwork on larger developments, unexpected incidents can occur.
Materials may accidentally damage nearby property. Tools can be stolen between jobs. If you employ staff, employee-related claims may also arise.
Bricklayers’ liability insurance can help protect your business against unforeseen costs if an insured event results in a claim. Depending on the cover selected, it can also include protection for employees, tools, professional advice and loss of income following certain injuries.
From one-off domestic projects to ongoing commercial contracts, having suitable cover in place can help protect your business against a range of everyday risks.
Common risks faced by bricklayers
Bricklaying work often takes place on active construction sites, residential developments and renovation projects. Working with heavy materials and specialist equipment can create a range of potential risks.
Here are some situations where bricklayer insurance may provide protection.
1. Building materials damage surrounding property
Bricks, blocks or other materials are moved around site and accidentally cause damage to nearby third-party property.
Public liability insurance may provide protection against claims involving accidental damage to third-party property.
2. A visitor trips over equipment
Construction materials, tools and equipment can create hazards around a work area.
If a visitor or member of the public suffers an injury after tripping over equipment, public liability insurance may provide protection against claims involving third-party injury.
3. Theft of tools from a vehicle
Bricklayers often transport valuable tools and equipment between projects.
Tools cover can help support replacement costs if insured tools or equipment are stolen from a locked vehicle, subject to policy terms and conditions.
4. An employee is injured while working
If you employ staff, employers' liability insurance may provide protection if an employee suffers an injury and brings a claim against the business.
Up to £10 million of employers' liability cover is available to add across our bricklayer insurance packages.
5. A customer claims financial loss
A customer may allege your work caused them financial loss.
Up to £100,000 of Third Party Financial Loss cover is included as standard across all bricklayers insurance packages.
What bricklayer insurance can and can't cover
Understanding what is and isn't covered can help you choose a level of protection that reflects the work your business undertakes.
What can be covered
✔ Public liability insurance up to £5 million
✔ Injury to third parties arising from your work
✔ Accidental damage to third-party property
✔ Legal defence costs that may be covered under the policy following an insured claim
✔ Third Party Financial Loss cover up to £100,000
✔ Professional indemnity cover up to £100,000
✔ Tools cover from £1,000 up to £15,000
✔ Employers' liability insurance up to £10 million
✔ Temporary Total Disablement Benefit up to £600 per week
✔ Capital Death Benefit
✔ Optional extras including contract works, owned plant, hired-in plant, stock in transit cover and jury service
What can’t be covered
✘ Deliberate damage
✘ Wear and tear to tools and equipment
✘ Mechanical breakdown of equipment
✘ Work carried out before your policy start date
✘ Activities not declared within your policy
✘ Items or equipment not covered by your policy
Who is bricklayer insurance for?
We provide insurance for bricklayers operating across a wide range of construction and building projects.
These include:
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Self-employed bricklayers
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Domestic bricklayers
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Commercial bricklayers
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New-build contractors
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Extension specialists
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Garden wall builders
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Structural brickwork contractors
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Partnerships
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Limited companies
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Limited liability partnerships
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Bricklaying businesses with employees
Cover is available for businesses with up to 15 employees and turnover up to £3 million.
Your bricklayer insurance cover options
From small residential projects to larger construction contracts, bricklaying businesses face different risks depending on the type of work they undertake. We offer a range of cover options designed for sole traders and businesses with up to 15 employees.
Essentials
The bricklayers’ Essentials package provides a foundation of core liability protection, combining public liability insurance with Third Party Financial Loss cover.
✔ Public Liability insurance up to £5 million
✔ Third Party Financial Loss £100,000
✔ Employers' Liability insurance £10 million available
Ideal for: Bricklayers looking for core protection against third-party injury, property damage and financial loss claims.
Classic
Classic builds on Essentials by adding protection for professional advice and tools.
✔ Public Liability insurance up to £5 million
✔ Professional Indemnity cover £100,000
✔ Third Party Financial Loss £100,000
✔ Capital Death Benefit
✔ First £1,000 of Tools cover (can be increased to £15,000)
✔ Employers' Liability insurance £10 million available
Ideal for: Bricklaying businesses that depend on specialist tools and want broader protection across multiple areas of the business.
Also includes: Price Freeze (2 years, T&Cs apply)
Plus
Plus combines all the benefits of Classic with Temporary Total Disablement Benefit, helping to provide a weekly income if a covered injury prevents an insured person from working.
✔ Public Liability insurance up to £5 million
✔ Professional Indemnity cover £100,000
✔ Third Party Financial Loss £100,000
✔ Capital Death Benefit
✔ First £1,000 of Tools cover (can be increased to £15,000)
✔ Temporary Total Disablement Benefit up to £600 a week per person
✔ Employers' Liability insurance £10 million available
Ideal for: Self-employed bricklayers and construction businesses looking for a more comprehensive level of cover.
Also includes: Price Freeze (2 years, T&Cs apply)
Optional extras for bricklayers
Some bricklaying projects may require additional protection beyond the cover included within your chosen package.
Optional extras include:
Contract works
Hired-in plant
Stock in transit cover
Jury service cover
Owned plant
These covers are not included as standard and must be added to your policy if required.
Fixed Price, Fixed Peace of Mind
Lock in your insurance price for two full years with Trade Direct’s Price Freeze with our Classic and Plus policies.
Whether you're a builder, plumber, electrician or decorator, we know your work load can be unpredictable - your insurance price shouldn’t be.
How much bricklayer insurance do you need?
No two bricklaying businesses operate in exactly the same way. The level of cover selected will depend on the work you carry out and the risks associated with your projects.
Factors that may affect your insurance requirements include:
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Whether you work alone or employ staff
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The value of your tools and equipment
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The size and scope of the projects you undertake
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Whether you work on domestic or commercial sites
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Any contractual insurance requirements
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Optional covers selected
How to get a bricklayer insurance quote?
Getting a bricklayer insurance quote online is straightforward.
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Tell us about your business, including the type of bricklaying work you carry out and the projects you typically work on.
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Select the level of cover that best suits your business and working practices.
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Review your quote and complete your purchase online.
Once cover is in place, you'll be able to access your policy documents online.
Cover begins from the date selected when taking out your policy, not from the date of purchase or when a construction project starts.
Bricklayer insurance FAQs
Related insurance for bricklayers
Van insurance
Whether you're transporting tools, materials or equipment between projects, your van is often a key part of the business.
Trade Direct Insurance offers comprehensive, third party fire and theft or third party only cover options to help keep your business moving.
Tools insurance
Bricklayers rely on a wide range of specialist equipment every day, from hand tools and laser levels to power tools used on-site.
Tools insurance can provide cover for insured tools and equipment up to £15,000, helping support replacement costs if covered items are lost, stolen or damaged.
Builders' insurance
Bricklayers can often work alongside builders as part of wider construction, extension and development projects.
We offer builders’ insurance designed for businesses carrying out a range of construction activities, including public liability insurance and additional cover options.
Get your bricklayer insurance quote today
From garden walls and extensions to commercial developments and structural brickwork, we offer bricklayer insurance designed around the needs of construction professionals.
Whether you're looking for insurance for bricklayers operating as sole traders or cover for a growing business with employees, you'll have access to a range of options designed around how your business works.
✔ Underwritten by Zurich Insurance Company Ltd.
✔ Public liability insurance up to £5 million
✔ Employers' liability insurance up to £10 million available
✔ Tools cover up to £15,000
✔ Save 10% with B&Q TradePoint
✔ UK-based expert telephone support
✔ Fast online quote experience
✔ Cover for over 70 recognised trades