Bricklayers Insurance cover in more detail
There are a number of critical elements of cover that no contract bricklayer should be without:
Public Liability Insurance
If you are working at a client’s premises and a falling brick damages property or injures someone you are likely to face a claim. Bricklayers public liability insurance will cover the compensation payments as well as any legal expenses, up to the specified indemnity limit.
Employers Liability Insurance
When it comes to Employers Liability insurance, where you have anyone working under your instruction, it is a legal requirement. That includes subcontractors (even if they have their own insurance) and even casual labourers.
Employers Liability covers you in the even that a worker has an accident and is injured, made ill or suffers a loss as a consequence of their work for you. If one of your employees sustains a head injury from a falling brick, whether they are wearing a hard hat or not, your bricklayers employers liability insurance policy will cover you against any claim that they may make.
Contract Works / Contractors All Risks Insurance
Working on a site ‘in progress’ carries risks for even the most diligent tradesman. For example, if a wall you are constructing collapses due to bad weather conditions, your bricklayers contract works insurance will cover the cost of rebuilding the wall. Alternatively if you have a cement mixer stolen from site your bricklayers contractors all risks insurance policy will pay for your loss.
Directors & Officers Liability Insurance
Should you find yourself being personally sued as a result of company business your bricklayers directors and officers liability insurance policy will pay the legal defence costs involved in defending any action made against you as well as any compensation awards.
Example risk assessment for contract Bricklayers
The Association of Brickwork Contractors
The Construction Industry Training Board (CITB)