Bricklayers in Victoria, whether working in Melbourne, Geelong, or regional towns, face daily risks from site hazards, heavy materials, and construction environments. We offer tailored Bricklayers Insurance VIC-wide to ensure you’re covered for public liability, tools, equipment, and personal injury. Our team understands the unique challenges faced by bricklayers and provides expert guidance to secure the right cover—without overpaying.
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Professional
tailored advice
Competitively
priced policies
Comprehensive
cover options
Working on Victorian construction sites exposes bricklayers to real risks. Heres how public liability insurance can keep your business insured:
A public liability insurance policy can protect you and your business from the financial costs that are incurred in the event of an accident.
Public Liability Insurance can protect your Victorian bricklaying business from property damage claims and personal injury claims brought against you by third parties.
Covers legal and compensation costs if your work causes accidental damage or injury to others.
Protects you if a product or completed work causes harm after the job is done.
What you need to know about
Running a bricklaying business in Victoria comes with a range of risks that require the right insurance in place. Public liability insurance protects you from third-party property damage or injury claims that can arise while working on-site, while product liability insurance covers you if your completed work causes harm or damage after the job is finished. If you have employees, workers’ compensation insurance is essential to cover injuries or illness sustained on the job. We also recommend insuring your tools and vehicles to safeguard against theft, loss, and damage. These policies are designed to give bricklayers peace of mind and allow your business to operate with confidence.
The most common insurance policies for bricklayers are:
Bricklayers Public Liability Insurance
Tools of Trade Insurance
Commercial Vehicle Insurance
Contract Works Insurance
Income Protection Insurance
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.
It is not uncommon for contractors to ask you for a minimum public liability limit before conducting work on their site.
Most contractors across Australia will request a minimum of $10,000,000 of cover and some larger companies request a minimum of $20,000,000.
If you are wanting to work on their job site, you will need to abide by their requirements.
We can assist you with putting the correct cover in place that is compliant with your contractor requirements.
Construction and demolition projects have seen a significant increase in claims that are settle on a proportionary basis – this means that even if you aren’t 100% liable, you can be held liable for a smaller percentage.
If you were even found 5% liable for an injury that occurred on a demolition job and your policy didn’t include demolition insurance then those costs will not be covered.
If you are just doing bricklaying than you most likely don’t need a professional indemnity insurance.
If you include any certification, design work or sign off on compliance then you may need to consider this cover.
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.
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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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