Bricklayers’ Insurance
Bricklaying has seen its development progress over thousands of years, and the construction industry in Australia continues from strength to strength. Protecting your business and livelihood is so crucial, particularly if you are a sole trader as you are personally liable for any wrongdoing. Insurance plays a huge role in limiting your exposure. The bricklaying industry is made up of individual sole traders, small builders, and large national providers, but all face similar insurance requirements.
Public Liability Insurance
Public liability insurance should be at the core of any business, protecting against claims for damage to third party, either personal injury, or physical damage. Construction sites often contain different tradesmen all trying to complete their work simultaneously, and on time, which can create an environment where risk management can be pushed to the side.
We pride ourselves on providing comprehensive coverage, and claims support, to help businesses of any size, so that they can get on site, and continue to work, even when things go wrong.
The locations, industries, and scale of your operations will have an impact on your liability insurance policy. Speak with a consultant today (at 1300 542 245 or get a quote) to organise a policy, or to review your existing policy for gaps or more competitive options.
Some potential claim scenarios could be:
- Injured Bystander: Debris accidentally falls while working on scaffolding, hitting a passerby. The injured person files a claim for medical expenses and lost wages, holding the bricklayer liable for failing to secure the work area properly.
- Property Damage: While transporting materials around the site, you accidentally damages a nearby vehicle. The car owner files a claim against the bricklayer for repair costs, asserting that the bricklayer was negligent in handling the materials.
- Slip and Fall: A third party slips on wet cement left unattended at the site, sustaining injuries. The driver claims compensation from the bricklayer, arguing that proper safety precautions were not followed, leading to a hazardous environment.