Kingsbridge Insurance
Bricklayer Insurance
Specialist insurance for bricklayers and small masonry businesses
Bricklaying takes skill, experience and precision – but it also involves risks that can’t always be avoided. Bricklayers Insurance brings together key covers commonly required by bricklayers into a single, flexible policy, designed to help meet contract and site requirements and protect your business against insured risks.
Call us today to get your bricklayers insurance quote.
Do bricklayers need insurance?
Even experienced bricklayers can face unexpected incidents. A wall could be damaged during bad weather, a member of the public might trip over materials, or tools could be stolen from a locked vehicle. Without insurance, these situations could result in significant costs.
Having appropriate insurance in place can help protect against insured losses, support compliance with client or site requirements, and demonstrate a professional approach to your work.
Bricklayers Insurance may be suitable if you:
- Work as a self-employed bricklayer, subcontractor or limited company
- Employ staff or apprentices (Employers’ Liability insurance is a legal requirement in most cases)
- Own or use tools and equipment as part of your trade
- Need proof of insurance for contracts, tenders or site access
What does Bricklayers Insurance cover?
Bricklayers Insurance combines covers commonly required by bricklayers into one policy. Cover is subject to policy terms, conditions, limits and exclusions.
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Public Liability insurance for bricklayers
Public Liability insurance for bricklayers
Public Liability insurance can cover claims for injury to third parties or damage to third-party property arising from your business activities. This may include legal defence costs and compensation awarded, where insured.
For example, cover may apply if a tool or material causes damage, or if a member of the public is injured as a result of your work.
Cover limits typically range from £1 million to £5 million, depending on your policy selection and requirements.
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Employers’ Liability insurance
Employers’ Liability insurance
If you employ anyone, including part-time or temporary staff, Employers’ Liability insurance is generally required by UK law.
This cover can provide protection against claims made by employees who suffer injury or illness arising from their work. Cover is typically available up to £10 million, subject to policy terms.
Employers’ Liability insurance may also extend to labour-only subcontractors where you are legally responsible for them.
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Goods and Tools insurance
Goods and Tools insurance
Goods and Tools cover can help protect your trade tools against loss, theft or accidental damage, subject to policy conditions.
Tools may be covered when stored securely at home, on site, or in a locked vehicle, provided policy security requirements are met.
Up to £2,500 of tools cover may be included, subject to eligibility, limits and terms.
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Personal Accident cover
Personal Accident cover
Personal Accident cover can provide fixed benefit payments if you suffer an injury that prevents you from working, subject to the selected cover level and policy terms.
This can help support you financially during recovery, where insured.
Optional insurance add-ons
Bricklayers Insurance can be tailored with optional covers depending on the work you undertake:
- Contract Works insurance – cover for insured contract works, materials and unfinished structures against specified insured events such as fire, theft or flood
- Hired-In Plant insurance – cover for plant or machinery you hire, while it is in your care
- Owned Plant insurance – protection for plant and specialist equipment you own
- Legal Expenses insurance – support with insured legal disputes, such as employment or contract disagreements
Availability and limits vary by policy.
Common risks bricklayers face
Bricklaying involves a range of occupational risks, including:
On-site accidents and injuries
Working at height, on incomplete structures or around heavy materials can increase the risk of slips, trips and falls.
Manual handling injuries
Regular lifting and repetitive movements can lead to musculoskeletal injuries over time.
Exposure to dust, cement and vibration
Brick cutting and power tools can expose workers to silica dust, cement and vibration, which may lead to long-term health conditions if not properly managed.
Tool theft and vandalism
Stolen tools can delay work and result in costly replacements. Insurance may help cover insured losses, subject to security requirements.
Property and third-party damage
Accidental damage to surrounding property can occur during bricklaying work. Public Liability insurance can help with insured claims and associated legal costs.
How much does Bricklayers Insurance cost?
The cost of Bricklayers Insurance depends on your individual circumstances and the cover selected. Factors include:
- The type and value of work you undertake
- Whether you employ staff
- The value of your tools and equipment
- Your claims history and risk profile
Most bricklayers choose a combined policy including Public Liability, Employers’ Liability (where required), and tools cover. It’s important to select cover that meets both contractual obligations and your business needs.
Who is Bricklayers Insurance for?
Bricklayers Insurance is suitable for those working in bricklaying, masonry and related construction trades, including:
- Self-employed bricklayers and subcontractors
- Small bricklaying and masonry businesses
- Limited company directors overseeing construction or renovation projects
- Tradespeople specialising in extensions, walls, paving or restoration
Whether you work alone or manage a team, appropriate insurance can help protect your business and support compliance with client and site requirements
Why choose Kingsbridge for Bricklayers Insurance?
Kingsbridge offers specialist insurance solutions designed for bricklayers and construction trades.
Our Bricklayers Insurance can include Public Liability, Employers’ Liability (where required) and Goods and Tools cover within one policy, with optional extras available to suit your work.
We also offer a Price Promise – if you find an equivalent like-for-like quote at a lower price, we’ll aim to beat it, subject to eligibility criteria.
- Specialist cover for bricklayers and construction trades
- Quick quotes and prompt documentation
- UK-based support team
- Flexible cover limits
- Price Promise on like-for-like cover*
*Eligibility criteria apply. Proof of equivalent quote required.
Bricklayers Insurance FAQs
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Do bricklayers need insurance?
Employers’ Liability insurance is a legal requirement if you employ staff. In practice, many clients and contractors also require proof of other insurance before allowing work to start.
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Is Public Liability insurance mandatory?
It is not legally required, but it is often expected by clients, contractors and site managers.
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What level of Public Liability cover do bricklayers need?
Many bricklayers choose between £1 million and £5 million, depending on contract requirements.
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Is faulty workmanship covered?
Public Liability insurance may cover accidental damage to third-party property. The cost of correcting your own faulty workmanship is not covered.
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Are tools covered if stolen from a van?
Tools may be covered where tools insurance is included and security conditions, such as forced entry and locked storage, are met.
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Are subcontractors covered?
Labour-only subcontractors may be covered under Employers’ Liability insurance where you are legally responsible. Bona fide subcontractors usually require their own insurance.
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Is Bricklayers Insurance tax deductible?
In most cases, business insurance is treated as an allowable business expense. You should confirm your individual position with an accountant or HMRC.
Get your Bricklayers Insurance quote
Bricklaying involves responsibility as well as skill. Bricklayers Insurance offers flexible protection designed around your trade and the risks you face.
Get your quote online or speak to our UK-based team for support.
Ready to protect your bricklaying business?
Other trades we cover
We provide tailored Insurance to a wide range of trades including but not limited to:
