Bricklayers across New South Wales, from Sydney and Newcastle to Wollongong and regional areas face daily risks everyday. We offer tailored Bricklayers Insurance NSW wide to ensure you’re covered for public liability, tools, equipment, and personal injury. Our team understands the specific challenges faced by bricklayers and provides guidance but allows you to compare insurance quotes for the best deal.
Professional
tailored advice
Competitively
priced policies
Comprehensive
cover options
Professional
tailored advice
Competitively
priced policies
Comprehensive
cover options
Working on construction sites across New South Wales exposes bricklayers to a range of real risks. Here’s why having the right bricklayers public liability insurance is essential:
Public Liability Insurance can protect your New South Wales bricklaying business from property damage claims and personal injury claims brought against you by third parties.
Covers legal and compensation costs if your bricklaying work causes accidental damage or injury to others on site.
Protects your business if a product or completed bricklaying work causes harm or damage after the job has been finished.
What you need to know about
Bricklayers public liability insurance protects you if your work causes injury to someone else or damage to property onsite. Whether you accidentally knock over scaffolding, damage a wall, or someone trips over your tools, this cover ensures you’re protected from legal fees, compensation payouts, and other costs. Public liability insurance is often mandatory when working on construction sites or under contract with builders in New South Wales.
For many bricklayers, public liability insurance is only the beginning. We also recommend tool insurance, personal injury cover, and contract works insurance depending on your business setup.
The most common insurance policies for bricklayers in NSW are:
Some insurers impose height restrictions on policies if you are working from heights.
Using this method, they can reduce their exposure and limit their coverage to residential bricklaying only.
Some insurers impose height restrictions on policies if you are working from heights.
Using this method, they can reduce their exposure and limit their coverage to residential bricklaying only.
You will typically only be able to build double-storey dwellings due to height restrictions of 10 meters.
Be sure that your insurance policy does not exclude you from working at heights if thats the type of work you generally do.
Trade businesses often use subcontractors under subcontract agreements.
It can, however, affect your insurance coverage and premium
Trade businesses often use subcontractors under subcontract agreements.
It can, however, affect your insurance coverage and premium.
Your insurance company still needs to know if you use a small number of subbies.
We ask these questions so that we can ensure that your policies are suitable for the work you’re doing.
If you typically buy your insurance online through what we refer to as a click, click, buy portal then you need to be extra careful.
If you typically buy your insurance online through what we refer to as a click, click, buy portal then you need to be extra careful.
When policies are laid out side by side and you can only see the price then you may not even be aware of the exclusions that apply on the policy.
Using an insurance broker doesn’t generally cost you anything more.
Our job is to review the quotes, make sure they are appropriate for you and don’t reduce your cover to an expensive piece of paper.
We have seen countless times where tradies have purchased their insurance online and then when it came time to claim the policy didn’t provide the cover they expected.
Many construction contractors across New South Wales require bricklayers to hold a minimum level of public liability insurance before starting work. Typically, sites request at least $10 million of cover, while major commercial projects often require $20 million.
We arrange insurance policies that meet these site-specific requirements, ensuring you are fully compliant and able to start work without delay. Liability on large projects is often shared between multiple parties, meaning even minor involvement can lead to financial responsibility. Having the correct level of public liability cover in place is essential for bricklayers working across Sydney, Newcastle, Wollongong, and throughout New South Wales.
Bricklayers primarily require professional indemnity insurance however, businesses offering project management, site supervision, or compliance-related services may also require professional indemnity insurance. Our team can review your business activities and ensure all necessary covers are correctly arranged.
The best way to explain what public liability insurance for bricklayers covers is to use an example of a claim that could occur in our industry.
An example of this would potentially be you injuring another contractor carrying in your trestles onto a job site.
Another example of the property damage component could be damaging roof gutters to a neighbouring property with the same trestles.
The key factor here is workmanship, personal injury and property damage claims is usually whats covered by a public liability insurance policy.
A good rule of thumb is to expect to pay between $500 and $1,500 for most domestic bricklaying contractors.
This depends on your work, how many employees you have, what % of your work is subcontracted, and what your average turnover is.
When you register your ABN the next step should be to consider putting insurance in place.
Regardless of whether you plan on being a single operator or whether you are planning to run a business, you should start putting your insurance in place before you commence trading.
Using an insurance broker is a great way to keep everything bundled together.
This means that we can give you advice about all of your insurance policies and let you know if there are any gaps in your coverage.
This also allows us to bundle your payments into 1 single monthly payment for all of your policies.
Trades Pack Insurance combines several essential covers—such as public liability, portable tools insurance, and property insurance—into a single, cost-effective policy. This ensures broader protection while simplifying policy management for bricklayers working across New South Wales.
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Bricklayers public liability insurance can be a little confusing to understand.
Most construction trades have many different exclusions and conditions on their policy that you need to understand to know if you are even covered or not.
Whether you are a self employed brickie or you run a business with staff, the public liability insurance generally remains the same.
Your public liability insurance for bricklayers usually covers two key components.
Personal injury and property damage. Two potential things that can happen on a job site very easily.
Your bricklaying insurance package should also include some portable tools cover.
You’ve spent a lot of time and money building up your equipment and tools and unfortunately tradies are one of the most frequent victims to theft.
Whether they are left in your tray tool box overnight or another tradies on a job site runs off with your tools ensure they are covered to reduce the cost of having to replace them if something happens.
Most tradies think that a standard motor vehicle insurance is okay for their business use.
In some cases they are but in most cases they aren’t.
If you’ve spent good money on fitting out your ute with extra storage, tool boxes, vehicle wraps or signage then we usually find the limits on a private motor insurance isn’t enough for our trade contractors.
To put it simply, imagine spending $10,000 on a good vehicle set up and only getting $5,000 back if something happened to your vehicle.
Construction insurance or contract works insurance is something that brickies should consider if they are doing volume builds.
If you’re working from site to site as a sub-contractor then you may not need this cover.
However, if you are taking on larger contracts where you are carrying the liability for an extended period of time then you should consider a contract works insurance.
Everyone probably talks to you about income protection and you’re probably sick of hearing about it so we won’t harp on about it.
There is a good chance you already know what income protection is but we’re here to let you know that we recommend all our trade contractors consider having the cover.
Escpecially if you rely on your income to provide for yourself and your family.
Although our policies aren’t a form of life insurance by any means, they do provide offer a shorter period of cover for the less serious incidents that can put you out of work for a couple of months up to two years.
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