If you are a bricklayer, you are almost by definition going to be working on a building site.
Only 6% of the working population works on a building site, but statistics from the Health and Safety Executive (HSE) suggest how dangerous these places may be. For example there are 65,000 accidents causing injuries each year – 35 of them fatal and 69,000 cases occur each year of work-related illnesses and other medical conditions
These are accidents which may happen to you, to your employees and even to members of the public. Bricklayers insurance is designed to help you from the financial fallout from such incidents and, in so doing, divert potential threats to the very existence and viability of your business.
Not every bricklaying enterprise is the same, of course, so any insurance you arrange needs to be tailored to the needs and requirements of your particular operation. Getting that right is important of course, but might sometimes take an insider’s knowledge of the insurance market to identify the appropriate policies for your particular needs.
That is the specialist knowledge we have here at constructaquote.com, helping to assure you that the cover we arrange is the cover you need – at a very competitive rate.
- We have more than 25 years of experience in the insurance business – so claim a pretty good insider knowledge of it
- Building on that, we arrange and service more than 33,000 policies for bricklayers and other small businesses each year
- When you arrange a policy with us, you have instant online access to your insurance information 24/7
- If you need to use our call centre, rest assured that is based and staffed entirely within the UK
What protection is bricklayers’ insurance likely to offer?
Although you may tailor the cover to suit your individual needs, here are some of the key areas likely to be protected by bricklayers’ insurance.
The statistics speak for themselves – the building site on which you are likely to be working is quite a dangerous place. And it is not only you who might be hurt. If your hod-carrier drops a stack of bricks or if one of your tools falls several floors, you might end up injuring a fellow worker on the site or even a passing member of the public.
If you are held to be responsible for such an accident – and have failed to take all reasonable steps to prevent it happening – you might be considered negligent and ordered to pay compensation to the injured party or the person whose property you have damaged.
Claims such as this might reach very substantial proportions and you may be hard pressed to find the amount you are ordered to pay from any funds held by your business, which will then face the risk of insolvency.
To prevent such a fate, public liability insurance is available to indemnify you against claims just such as these and typically provides cover for at least £1 million in claims.
Employers’ liability insurance – your duty of care towards those you hire
The dangers of working on a building site also surround those you might employ.
Any member of your crew might be injured on the job or suffer an illness or other medical condition as a result of their working for you. Some of these ailments might not come to light until the individual has long since left your employment – 84% of medical conditions suffered by those in the building trades, for example, are musculo-skeletal disorders (such as “bad backs”) and anxiety, stress and depression.
As the individual’s employer, you may be held responsible for any injury they suffer or long-term illness they contract – however long ago it was that they last worked for you.
With these types of injury or illness, if you are liable, you may be ordered to pay a considerable sum in compensation.
To make sure that you are in a position to pay whatever compensation to which your employee or former employee may be entitled, the law requires that you hold employers’ liability insurance of a minimum of £5 million from the moment you take anyone onto your team. If you don’t have that cover, you may be fined up to £2,500 for every day that it is missing.
The law clearly takes seriously the duty of care you owe your employees – so do we and that’s why instead of sticking at the legal minimum of £5 million, we increase cover to £10 million as standard.
Protect your tools and equipment with contractors’ all risks insurance
One of the attractions of being a bricklayer may be the relatively low initial outlay in tools and equipment to get your work done. Over time, however, your accumulated tools, equipment and the materials you use might have increased considerably.
In order to protect these – and ensure that you have the finances to repair or replace them if necessary – you might want to consider contractors all risks insurance.