Bricklayers Insurance
Get your bricklaying business covered with VIZ - instant Certificate of Currency, no monthly fees and actual Australian support.
Why do Bricklayers need insurance?
Even with years of experience behind you, laying bricks and blocks and building walls, footings and other structural masonry doesn’t always go to plan. One mistake or unexpected issue on site can end up costing much more than the job itself. Insurance is there to help cover the financial impact when something goes wrong.
Insurance is also a requirement in many cases. Builders will typically ask for a Certificate of Currency as proof your cover is in place before allowing you to start work.
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What can you get covered for as a brickie?
VIZ is built for how tradies actually work.
Pay Monthly at no Extra Cost
Cashflow matters. No fees or interest for paying monthly.
One Policy. Multiple Occupations.
Put multiple occupations under one policy and one premium.
Get your VIZ Tradie Pass
A Certificate of Currency & insurance hub in your phone's digital wallet.
Pay Monthly at no Extra Cost
Cashflow matters. No fees or interest for paying monthly.
One Policy. Multiple Occupations.
Put multiple occupations under one policy and one premium.
Get your VIZ Tradie Pass
A Certificate of Currency & insurance hub in your phone's digital wallet.
What can Bricklayers Insurance cover?
Third Party Property Damage
Third Party Property Damage
If you accidentally damage someone else’s property while working, public liability insurance can cover the costs you’re required to pay. For bricklayers, that might include damaging a driveway, fencing or finished surfaces while carrying out work on site.
Theft to your tools
If you add Tools of Trade cover to your VIZ policy, you can cover up to $25,000 worth of tools from theft. Click the link below to learn more.
Injuries to Third Parties
Injuries to Third Parties
If someone is accidentally injured as a result of your work, public liability insurance can cover the costs you’re required to pay. For bricklayers, that could mean situations where materials, tools or work on site cause injury to a customer or a passer-by.
Damage to your tools
If you add Tools of Trade cover to your VIZ policy, you can cover up to $25,000 worth of tools from damage from fire & explosions, floods, or even damage from a car collision. Click below to find out more.
Legal Costs
Legal Costs
If there is a claim made against your business that you may be legally liable to pay, the public liability in your bricklaying policy can cover the legal costs incurred to defend or settle it.
Loading and Unloading Vehicles
Loading and Unloading Vehicles
VIZ's public liability insurance can cover you for injury to or damage to the property of a third party that happens during the loading and unloading of registered vehicles in the course of your business activities.
What can't Bricklayers Insurance cover?
All insurance policies have exclusions which keep the premiums fair and help reserve cover for genuine, unexpected events. We've listed some of the exclusions that every insured bricklayer should be aware of.
Faulty workmanship
Faulty workmanship
While public liability can cover the damages faulty workmanship causes, it cannot cover the cost of redoing the job itself. For example, if a bricklayer builds a wall incorrectly and it needs to be taken down and rebuilt, the cost of fixing the wall isn’t covered. But if that faulty work caused damage to other parts of the property - like a nearby structure or finished area - the cost of that damage may be covered.
Tools theft from open air
Tools theft from open air
If your brick saw, mixer or grinder gets stolen from an open job site or from an unlocked car, it won't be covered. VIZ's tools cover only applies to theft from a securely locked vehicle or building where there's evidence of forced entry. Cover for open air theft would mean everyone's premium pays for the few who don't lock up - so we chose to exclude it.
Injury to your employees
Injury to your employees
An employee is considered part of your business, and not a third party. Workers compensation insurance is typically required if you employ workers, depending on your state or territory, and is designed to cover this risk.
Work other than bricklaying
Work other than bricklaying
Your policy is designed to cover work that would be reasonably expected of a bricklayer. If you carry out other types of work, you’ll need to include this in your policy for it to be covered.
VIZ policies allow you to select multiple different occupations to be covered for - so you could get bricklaying and stonemasonry covered under one policy and only pay one premium!
Silica and asbestos
Work related to asbestos or silica
Insurers often choose to exclude super high risk situations from their public liability policies. For instance, VIZ (as well as most insurers) won't cover you for any work involving asbestos or silica.
Make sure you are aware of what your insurer excludes from your policy.
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Take on jobs outside of bricklaying?
A VIZ policy can cover multiple occupations under one policy. If your bricklaying business also does:
- ● Stonemasonry
- ● Paving, retaining walls or other landscaping
- ● Renovations
You can add these trades to the same policy and only pay one premium, which is set by the highest priced trade.
What goes into a Bricklayers Insurance policy?
Build your policy from the three types of cover that VIZ offers.
Public & Products Liability Insurance
Why You Might Need It
Public liability is the part of your cover that protects you if your work causes injury to someone else or damage to their property. For bricklayers and stonemasons, that can include situations where materials, tools or completed work cause damage on site – like damaging a client’s driveway, nearby fencing or finished surfaces during a job.
It’s also something you’ll usually need before you can get on site. Builders will likely ask you for a Certificate of Currency as proof that your cover is in place before you get to work on site.
How It Works
You can choose from $5m, $10m or $20m of public liability cover. This is the maximum amount your insurer will pay for claims within a policy period.
Depending on the work you take on, you may need to hold a minimum level of cover - many builders and sites require $10 or $20 million of cover before you can start work.
With VIZ, your Certificate of Currency is emailed to you instantly after you take out a policy, so you can provide your docs straight away.
Tools & Equipment Insurance
Why You Might Need It
If you're a bricklayer or similar trade, your tools and equipment - like brick saws, mixers and grinders - are essential to getting work done and getting paid. Without them, jobs can come to a stop.
If you choose to include tools and equipment cover, it can help protect your gear if it’s stolen or damaged by an insured event, helping you repair or replace it and get back to work.
How It Works
Tools and equipment cover is an optional extra you can add to your policy.
Choose from $5k, $10k or $20k of cover for general tools and equipment worth less than $2,500 per item. For bricklayers, that could include tools like brick saws, mixers, grinders and other essential equipment used on site.
If you have higher-value items - like a trailer or cement mixers - these can be listed individually on your policy as specified items. You can add up to $30,000 of specified items, giving you up to $50,000 in total cover. And don't worry - you can always add or remove tools from your policy once it's in place.
Tax Audit Insurance
Why You Might Need It
The ATO can audit any business, including bricklaying businesses, at their discretion - whether or not there’s been a mistake or issue. Some are selected at random, while others are reviewed based on their tax lodgements.
For someone running their own bricklaying business, a tax audit can mean dealing with accountants and professional fees while responding to the ATO. If you choose to include tax audit cover, it can cover those costs and help protect your cashflow.
How It Works
Tax audit cover is optional and can be added or removed from your policy at any time. It provides $50,000 of cover if selected, with the option to choose an excess that suits you.
What might a bricklayers claim process look like?
We know claim time is when your insurance really needs to deliver - especially when you have the builder or homeowner waiting.
At VIZ, claims are managed by our specialist claims partner - Sedgwick. From start to finish, their role is to guide you through your claim and help you get back to your pre-loss position as quickly as possible, with minimal disruption.
1.
Lodge your claim
Either fill out the claim form, give the claims team a call on 1300 850 491, or send all the details through to vizclaims@au.sedgwick.com. You will then receive confirmation that your information has been received.
2.
A representative will get in touch
A representative from Sedgwick will be in touch - likely to gather more details about your claim. This can include details like police reports, proof of ownership, a detailed account of the events leading to the claim (who, where, how), and more.
3.
Claim assessment
Once the claims team has the all the information they need from you, they aim to make a decision within 1 to 10 business days, depending on the complexity of the claim.
Do more than just bricklaying? Get covered for multiple occupations on the same policy.
Rather speak to someone? Call us on 1300 216 226.
Frequently Asked Questions
Bricklayers insurance with VIZ starts at about $30 a month for $5 million of public liability cover, or about $40 a month for $10 million. Your exact premium depends on your cover limit, the number of workers in your business, and your state. Paying monthly comes at no extra cost compared to paying annually - no fees or interest. Get a quote in 2 minutes to see your price.
Yes. Virtually all principal contractors and builders in Australia require subcontract bricklayers to hold a current certificate of public liability insurance. Most will specify a minimum coverage limit - typically $10 million or $20 million - as part of their subcontractor agreement.
Once you get a policy with VIZ, your Certificate of Currency and other documents will be sent to your email within seconds. You will also be able to sign up for the VIZ Tradie Pass, which will give you access to an up to date version of your Certificate of Currency whenever you need.
Yes. If your bricklaying work accidentally damages an adjacent wall, structure, or neighbouring property, your VIZ public liability policy covers the third-party property damage claim - including legal costs and compensation. Subject to policy terms and conditions.
Public liability insurance is required for bricklayers working on most Australian building sites. Principal contractors and builders typically require subcontractors to hold current public liability insurance before starting work. VIZ Insurance provides bricklayer cover up to $20 million.
VIZ bricklayer public liability insurance covers third-party claims for bodily injury and property damage arising from your bricklaying work. This includes a site visitor being injured by falling materials, accidental damage to an adjacent structure, or a products liability claim related to mortar or materials you supply.
Things to know
Monthly Payments vary by state due to state-based stamp duty charges. VIZ charge an annual $25 Policy Fee + $2.50 GST payable in addition to your premium. The prices shown are based on selecting a $500 excess and are an indication only. Your premium will be calculated based on the information you provide to us during the insurance application process.
You can add up to two occupation categories on to your quote online. Some of these categories contain two different trades, e.g. 'Landscaping and renovations'. If you need additional business activities covered or have any questions about our policies, give us a call on 1300 216 226 or email us at hello@vizinsurance.com.au.