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Bricklayers insurance is designed to help protect bricklaying contractors from the unique risks associated with their work. Depending on the policy, it can cover:
It can help protect your business, livelihood, and finances, helping to keep you covered when accidents happen on the job.
Bricklayers manage risks involving heavy materials and structural works. Below are the types of cover most commonly taken out by bricklaying contractors:
May cover costs from third party injuries or property damage caused by your work, such as a wall collapse or falling materials.
Can help protect your brick saws, mixers, and hand tools against theft or accidental damage on site or while in transit.
May provide income support if an injury or illness prevents you from working. This often suits sole traders without sick leave access.
Can help protect your business if advice or specifications you provide result in a financial loss for a client.
May be required if you have employees. It can help cover wages and medical costs if a staff member is injured at work.
Can help cover professional fees from your accountant if your bricklaying business is selected for a random audit by the ATO.
Pricing for bricklayers insurance is determined by the specific risks of your business. Premiums are influenced by your scale of operation, the materials you use, and the level of cover you choose to help protect your assets and liability.
Insurers evaluate several factors to determine the cost of cover for a bricklaying business. Understanding these can help you compare options effectively.
Bricklayers often choose cover levels based on site requirements or the value of their business assets. These options may suit different business sizes.
May suit sole traders working primarily on small residential repairs or private domestic projects.
Commonly chosen by contractors working on residential housing sites and for medium-sized builders.
Often required for large commercial projects, government contracts, or major infrastructure sites.
When selecting cover, consider the replacement value of your portable assets and any specific liability limits required by your head contractors. We can provide general information to help you compare options.
All insurance cover is subject to policy terms, conditions, and insurer acceptance. Premiums may vary based on individual business circumstances.
While Public Liability insurance is a standard requirement for site access across Australia, the legal requirements vary depending on which state you are working in and your registration category.
Residential bricklaying work often requires insurance based on project value and whether building approval is needed. For projects valued at $12,000 or more, builders must provide residential building insurance or a fidelity certificate.
For residential work over $20,000, Home Building Compensation (HBC) cover is generally required when you are the principal contractor. This is a legal requirement under the Home Building Act 1989 for licensed tradespeople.
Residential building work is covered under the Home Building Certification Fund for prescribed residential work. This scheme acts as a safety net for homeowners regarding incomplete or defective work on residential properties.
Many bricklaying jobs fall under the QBCC Home Warranty Scheme. For residential work over $3,300, insurance is generally required. The premium must be paid by the licensed contractor before work commences.
Building Indemnity Insurance (BII) is generally required for residential bricklaying work above $20,000 that requires council approval. It protects homeowners if a contractor cannot complete the project or rectify defects.
Tasmania currently utilizes a voluntary residential building insurance scheme. However, licensed contractors are still required to hold Public Liability and Contract Works insurance when operating under specific building practitioner categories.
Domestic Building Insurance (DBI) is generally required for residential bricklaying work over $16,000. The Victorian Building Authority (VBA) requires evidence of this cover before a builder can take a deposit or start work.
Home Indemnity Insurance (HII) is generally required for residential building work over $20,000. This insurance must be taken out by the builder in the name of the homeowner before any payment is accepted or work begins.
Arranging cover for your bricklaying business is a straightforward process. Get a quote and receive your insurance documents in minutes.
Complete our occupation selection form with details about your bricklaying work, including your annual turnover and the number of staff you employ.
Compare options for Public Liability, tool cover, and Personal Accident insurance. Choose the limits that may suit your specific contract requirements.
Confirm your details and complete the payment. Your certificate of currency and policy documents are issued instantly via email.
Cover is subject to policy terms, conditions, exclusions, and insurer acceptance.
Contractor Cover is the one-stop insurance shop for contractors across Australia.
We understand that contractors require targeted business insurance which offers both value for money and optimal cover. With that in mind, we’ve packaged the most common insurances the average contractor needs into a single policy. This means that you don’t need to waste your time contending with multiple policies – everything you need is included in one convenient package.
Call our team today at 1300 438 268 for more information or fill in our easy online quote form.
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It refers to a range of covers designed to protect masonry contractors from common risks, including Public Liability, Tools Insurance, and Personal Accident cover.
While there is no single national law, most builders and commercial clients require Public Liability insurance before you can enter a site.
Self-employed bricklayers are responsible for their own cover, whereas employees are typically covered under an employer’s policy and Workers Compensation.
Coverage for silica-related claims depends on the specific policy. It is vital for bricklayers to review exclusions regarding dust and respiratory risks.
It is important to check if you are covered for claims that arise after the job is finished, such as a wall failure that causes injury or damage later on.
Most policies cover sudden accidental damage rather than the cost of simply fixing a poorly laid wall. You should clarify with your broker where the line is drawn.
Many bricklayers bundle Tools Insurance (for theft and accidental damage) and Commercial Motor Insurance (for their ute or van) with their liability policy.
If you employ people, Workers’ Compensation is a legal requirement. You should also check if your policy covers you for the vicarious liability of subcontractors working under you.
A Certificate of Currency is proof that your insurance policy is current and active. Builders and commercial clients often require this document before you start work.
You should review your insurance at least once a year, or any time your business changes. A quick review helps ensure you remain properly protected.
Common triggers include:
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