Bricklaying is skilled, practical work, but like any construction trade, it comes with risks. Working with heavy materials, tools, and equipment means that accidents can happen, even when appropriate care is taken.
For bricklayers and masonry contractors, having the right insurance in place can help protect the business against some of the financial consequences of unexpected incidents. From accidental property damage to injuries on site, understanding the risks you face is an important part of running a bricklaying business.
Our infographic highlights five things that could go wrong on a bricklaying job.
#1 A Wall Collapses and Damages A Customer’s Property
Brickwork needs to be constructed correctly and safely, but problems can sometimes arise during or after a project. If a newly constructed wall, structure, or section of brickwork fails and causes damage to a customer’s property, the bricklayer could potentially face a claim for the resulting damage.
Public liability insurance for bricklayers can be particularly relevant because it is designed to cover certain claims made by members of the public for injury or property damage arising from a tradesperson’s business activities, subject to the policy terms and conditions.
#2 A Member Of The Public Is Injured
Bricklayers often work around homes, commercial properties, pavements, and other areas where members of the public may be nearby. Tools, materials, and building work can all create potential hazards.
For example, someone could trip over materials left at the edge of a work area or be injured by an object falling from a building site.
If a member of the public alleges that they have been injured as a result of your work, public liability insurance may help with eligible claims and associated legal costs, depending on the circumstances and policy terms.
#3 A Neighbouring Property Is Accidentally Damaged
Construction work does not always take place in isolation. Bricklayers may work close to neighbouring buildings, walls, driveways, windows, or other structures.
Accidental damage could occur while moving materials, carrying out demolition, or constructing new brickwork. Even seemingly minor damage could potentially result in repair costs and a dispute with the property owner.
Having suitable liability insurance can provide an important layer of financial protection if your business is held responsible for accidental damage to third-party property.
#4 Tools Are Stolen From A Van
Bricklayers rely heavily on their tools and equipment. Trowels, drills, saws, mixers, and other equipment can represent a significant investment, particularly for self-employed tradespeople.
Unfortunately, tools can also be attractive targets for thieves. Having equipment stolen could leave you facing replacement costs as well as disruption to your work.
Depending on the policy, tools and equipment insurance may provide cover against certain types of loss or theft. It is important to check exactly what is included, including any security requirements or conditions relating to leaving tools in vehicles overnight.
#5 An Employee Is Injured On Site
Construction sites can present numerous hazards, from manual handling and working with machinery to slips, trips, and falls. If you employ bricklayers, labourers, or other staff, an accident at work could result in an employee making a claim against your business.
Employers’ liability insurance is generally a legal requirement for businesses that employ staff in the UK, although there are some exemptions. It is designed to cover certain claims from employees who become ill or are injured as a result of their work.
Protecting Your Bricklaying Business
Bricklaying businesses face a range of risks every day, and the right insurance can help provide financial protection when something unexpected happens.
Public liability insurance can be particularly important for bricklayers working on customers’ properties, while employers’ liability may be required if you have employees. Depending on how your business operates, you may also want to consider cover for tools and equipment, commercial vehicles, contract works and other business risks.
The right combination of insurance will depend on your individual circumstances, the work you undertake, and the people you employ.
If you’re a bricklayer looking for suitable business insurance, Ashburnham Insurance can help you understand the types of cover available and find a policy suited to your business. Call us on FREEPHONE 0800 1696137 to find out more.