Public liability insurance for brickies
For most self-employed bricklayers public liability insurance is a must.
Many worksites will have mandatory public liability requirements, but many tradesmen are unsure exactly why they need this insurance and how it might help them.
In this guide we will look at what this form cover actually does for bricklayers, which ones need it and how much it will cost.
What is it?
Public liability can protect a bricklayer from the costs of a claim involving property damage or personal injury to another person.
If you are found to have acted negligently you could be up for some serious costs, but with the right insurance in place you can rely on the insurer to cover the costs.
Claims for property damage and personal injury can occur very easily for bricklayer, or for any tradesman for that matter.
A minor property damage claim could arise from something as simple as dropping a brick chipping an expensive tile.
A personal injury claim on the other hand could involve collapsed brickwork which results in a serious injury or even death.
Which brickies need it?
Generally speaking it is bricklayers who work for their own business or as a subcontractor who need public liability cover.
If you are working on wages you will generally be covered by your employer’s insurance, but it is still worth checking with your employer to ensure you are not left exposed.
Some worksites have mandatory public liability requirements for all tradies on site, but even if that’s not the case for you it is still worth considering.
How much does it cost?
Bricklayers are generally considered to be a fairly low insurance risk for public liability, which is great news because it means the premiums are also quite low.
The public liability cost for a brickie can be from as little as $400 for someone doing standard residential work on their own.
Getting a quote is the best way to find out the cost of your insurance, and you can do this easily by completing our online quote request or talking to your existing broker.
Although our website focuses mainly on public liability, there are other forms of cover that a brickie can benefit from.
Income protection is the common form of bricklayers insurance behind public liability, and other popular covers include tool insurance and life insurance.
If you would like more information about public liability or any other form of business cover please contact us.