Public liability and employers’ liability cover built for bricklayers, whether you’re building to someone else’s plans or taking on structural work yourself.
Public liability and employers’ liability cover built for bricklayers, whether you’re building to someone else’s plans or taking on structural work yourself.
Injury on siteWorking at heightThe brickwork itself
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Bricklayer insurance is a combination of covers built around building and repairing walls, extensions and structures, public liability for injury or damage, employers’ liability if you have staff, and tools cover for your equipment.
Wall stability and working at height on gable ends or chimneys are the two risks that set this trade apart from general building work.
Bricklayer insurance can include:
Public liabilityEmployers’ liabilityTools & equipmentProfessional indemnity (if you design)Scaffold & access equipmentBusiness van insurance (separate policy)
Public Liability
Covers claims if your business injures a customer or damages their property.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Professional Indemnity
Covers claims that your structural calculations were negligent.
Business Contents
Protects materials and equipment kept at a yard or unit.
Tools & Equipment
Covers your tools against theft from the van or site.
Do you need public liability or professional indemnity?
Do you need public liability or professional indemnity?
Most bricklayers need public liability alone, but structural work changes that.
Most bricklayers need public liability alone, but structural work changes that.
| Situation | Public liability | Professional indemnity |
|---|---|---|
You build to someone else’s design or spec | Usually enough on its own | Not the main risk |
You calculate loads or design a structural feature yourself | Recommended alongside Professional Indemnity | This is exactly what it’s for |
Your work damages a client’s property | Covers the physical damage | Won’t respond to physical damage on its own |
A client says your structural work was unsafe | Only if the work has caused injury or physical damage | Covers a claim that your structural design or calculations were wrong |
Top Tip
If you only ever build to someone else’s drawings, public liability usually covers you. The moment you’re making structural decisions yourself, professional indemnity becomes worth considering too.
There’s no fixed price. It depends on the type of brickwork you do, whether you work at height, whether you have staff and your claims history.
Type of brickwork
Structural and load-bearing work carries more risk than general repairs.
Level of cover
Adding professional indemnity or a higher limit increases your premium.
Number of staff
More employees increase your employers’ liability exposure.
Working at height
Gable ends and chimney work can affect your risk rating.
Value of your tools
More expensive kit and access equipment means a higher premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get bricklayer insurance
How to get bricklayer insurance
Getting bricklayer insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting bricklayer insurance takes four steps: tell us about your work, choose your covers, compare specialist insurers, then get covered, often the same day.
Tell us about your work
The type of brickwork you do, and whether you have staff.
Choose your covers
Public liability, tools and any extras you need.
We compare specialist insurers
We search our panel of 20+ UK insurers.
Get covered and working
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Bricklayer insurance guides
Bricklayer insurance guides
Practical advice on cover, structural work and staying protected.
Practical advice on cover, structural work and staying protected.
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Bricklayer insurance FAQs
Bricklayer insurance FAQs
Straight answers on cover, structural work, height and cost.
Straight answers on cover, structural work, height and cost.
Bricklayer insurance is a combination of covers built around building and repairing walls and structures: public liability for injury or damage, employers’ liability if you have staff, and tools cover for your equipment.
Still have questions?
Our advisers are here to help you find the right solution.
Related trades we cover
Related trades we cover
Bricklayers often work alongside these trades. Each has its own cover requirements.
Bricklayers often work alongside these trades. Each has its own cover requirements.
Groundworks Insurance
Excavation, foundations and drainage, the stage before the brickwork starts.
Roofer Insurance
Working at height once the structure is up, with its own fall and weather risks.
Builders Insurance
Main contractors coordinating brickwork alongside every other trade on site.
