What is Bricklayer Insurance
Bricklayer insurance usually refers to a type of public liability insurance designed for bricklayers. This insurance can be fundamental for those in the field to cover potential damages and injuries. Apart from public liability insurance, some bricklayer businesses may also take on tools insurance, equipment insurance, employer’s liability insurance, or contract works insurance.
This is to get better coverage against the different types of damages that could lead to claims being made against them. Insurances such as these can also be a great way of ensuring that damage to your brick layering work will not result in substantial financial losses as you try to fix the damages.
To look through the different types of insurance policies available for bricklayers, you can click on the link here.
Is Bricklayer insurance mandatory?
Brick layering insurance is not always mandatory. But in many cases, if you are working on a construction site, you may find that you will be obliged to have some public liability insurance for the construction site to function legally. This is because construction sites need to have some protection for the workers, mainly because there is a higher risk of injury being caused in a construction site than in other places of employment.
To determine whether having bricklayer insurance is necessary for your area, you can contact your legal advisor to understand better the legal requirements you have as a bricklaying freelancer or business owner.
Should I get Bricklayer insurance?
In most cases, getting bricklayer insurance is something that you should consider doing. This is because these types of insurance policies work as a protection measure. With construction, the odds of damages being caused to the property you are working on or having an injury happen are high. Therefore, having an insurance policy can at times guarantee that you will not be obliged to cover the entire legal cost of dealing with any claims made against your business on your own.
Especially in cases where the injuries caused are more serious, the legal fees for dealing with the case and the compensation you will be called to pay may be very high. This may result in you having difficulty coping with the financial struggle of covering everything without assistance. This is why it is always best to have an insurance policy in place to get help with any claims made against you.
What does Bricklayer public liability insurance cover?
Your public liability insurance will cover the following three cases in most cases.
- One of your employees gets injured while working for you. In cases where that employee sends a claim your way, you will be able to contact your insurance company to handle the case in the most efficient way possible.
- A bystander gets injured by your brick layering work. This is a fundamental reason to get an insurance policy for your brick layering work. While you and your workers may be familiar with what is and what is not dangerous, others who come to the site to overlook the work or discuss aspects of the construction with you may not be as familiar with the dangers around them. If one of them were injured during one such visit, your company would be liable for paying for any restitution set forth by the court. You would also be entirely responsible for handling the legal fees and keeping business afloat while the claims were made against you.
- Damages caused by your brick layering work to the property. If an accident occurs and while you are completing your task, you end up damaging the property that you are in, you will be called to pay for the damage caused. Depending on the scale of the damage, this could be a more minor or more significant problem, but in any case, it is one that you will be able to get assistance on if you choose to get a bricklayer insurance policy.
All of these cases can result in lengthy and expensive legal cases, and as such, it is always best to avoid them by getting an insurance plan that can protect you in all of these cases. What’s more, having an insurance plan in place makes your business appear more reliable, and you show that you can handle any tasks that come your way. Legal costs and restitution payments can often cripple a business, so it is always best to avoid incurring them where possible.
To read more on insurance coverage and to get an idea of what most insurance companies offer, you can click on the following two links by clicking here or here.
How much does Bricklayer insurance cost?
The price of your business insurance will depend on your area, your claims history, and the level of insurance that you are looking to get. The best way to find the insurance that works for you at the best available price is by clicking here and using a business insurance comparison service. This will help you find the most cost-effective solution for your business.
Find out more about the importance of insurance here.
Other useful links about business insurance:
Business Interruption Insurance
Hospitality and Tourism Insurance
Transport and Logistics Insurance
Remember to Compare Your Business Costs is here to help your business every step of the way from business advice, or saving you time and money on your business purchases such as: