On a daily basis, bricklayers face a range of risks as a result of working on a variety of sites – both at ground level and at height. Moving heavy materials and using expensive tools also comes with a variety of hazards.
While it is important to take all possible precautions against risk and follow safety procedures, you and your business are vulnerable to unforeseen incidents and mishaps that can have a significant impact on your financial stability.
Whether you work on large sites or perform minor repair work – working at domestic or commercial properties – purchasing a tailored bricklayers insurance package can help provide protection for your business.
Some of the key policies offered with a bricklayers insurance policy include:
- Public liability insurance:
Public liability insurance can cover you if a member of the public – be it a customer, visitor or passer-by – claims your business has caused them to become ill or injured, or has caused damage to their property. This cover can provide financial assistance for legal and compensation costs, and can be extended depending on the type of work you carry out and the number of workers you need to include in your policy.
- Employers’ liability insurance:
Employers’ liability insurance is a legally-required cover if you employ staff at your bricklaying business. This cover can provide financial assistance if you need to defend against, and pay compensation for claims from your employees that working for you has caused them to become ill or injured. Your insurer may offer an option to include cover for temporary employees, while others may restrict the number of employees you can include under one policy.
- Professional indemnity insurance:
Professional indemnity (PI) insurance can be useful for any professional who provides a service or advice to their clients and customers. As a bricklayer, this includes the bricklaying service you provide, any advice you give to customers regarding design, and any advice you give to other bricklayers. PI insurance can provide financial assistance if your customer claims your service or advice has caused them material, physical or financial harm.
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- Product liability insurance:
You may consider product liability insurance which can provide financial protection if a customer accuses your products of causing illness, injury or property damage. Claims of this nature are usually regarding the materials you use for your bricklaying work.
- Buildings and contents insurance:
If you are based at a business premises, you may consider purchasing buildings insurance which can provide protection for the main structure of your building and its permanent fixtures and fittings. This can prove useful in the event of fire, flood or malicious damage at your premises.
You may also consider purchasing contents insurance, which can provide protection for your business’s contents such as furniture and computers. While contents insurance can provide cover for your tools, equipment and stock, you may benefit from purchasing separate tools and equipment cover instead.
- Tools insurance:
As you rely on your tools and equipment for your work, tools insurance is potentially a crucial policy to include in your bricklayers insurance package. This cover can provide financial assistance if you need to repair or replace tools and equipment that have been damaged, lost or stolen. Tools insurance typically covers your business items while in storage, at your business premises, on-site and in transit.
Typically, tools insurance only covers hand tools and portable tools, so you may benefit from purchasing separate plant and machinery insurance if you own or hire larger items such as cement mixers. This cover can provide financial protection if these items are damaged or stolen.
- Goods in transit insurance:
You may consider purchasing goods in transit insurance which can provide specific protection to business tools and equipment while they are being transported, as well as when they’re being loaded onto, or unloaded from your vehicle. You may also consider vehicle insurance which can provide financial protection for any vehicle you regularly use for business purposes against damage, accidents and theft. If you have more than one vehicle, you may instead consider motor fleet insurance.
- Cash on premises cover:
Cash on premises cover can protect your business money against loss or theft. This typically includes business money kept in safes, at your business premises, and even in your wallet. Personal assault cover is often included in the policy and can provide financial assistance if you or your employees are assaulted during a theft or attempted theft.
- Business interruption insurance:
Business interruption insurance can prove useful if you are unable to trade at full capacity due to circumstances included in your bricklayers insurance package. This cover can provide financial assistance if you suffer loss of income during the time it takes you to recover from an insured event. It can also pay for increased costs of working, such as having to hire extra tools or staff.
- Personal accident insurance:
Personal accident insurance can provide financial assistance if you are unable to work because you are suffering serious illness or injury. This cover can provide help with medical bills, the cost of any adaptations that need to be made to your home or business premises, and can cover loss of income.
- Contract works insurance:
Contract works insurance is also known as Contractors All Risks insurance, and can protect the property you are working on and its related materials against accidental or malicious damage. This cover can provide the finances necessary to replace the materials and repair the damaged property following such events. Typically, contract works insurance covers a wide range of eventualities, and can include protection for your tools, plant and machinery as well.
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