Bricklayers' Insurance

That depends on the type of bricklaying work you do, the size of your projects and the risks involved.

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Public Liability Insurance protects you if your work causes accidental damage to property or injury to someone on or near your site. For example, if a wall you are working on collapses and damages a neighbouring structure, this cover can help with repair costs, legal fees and any compensation due.

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Many bricklayers choose a limit of between £1 million and £5 million, but some larger contracts, particularly those with councils or main contractors, may require up to £10 million.

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With Admiral Business you can select the right level of cover for your work, and you can increase your limit as your business grows without any admin fees.

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Yes, if you add Tools and Materials Insurance to your policy, you’ll be covered if your tools are stolen from a locked van, as long as there are clear signs of forced entry.

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For example, if your van is broken into overnight and your bricklaying kit (such as mixers, trowels and laser levels) is taken, your policy can help replace them quickly so you can keep working.

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However, there are conditions. If your van is left unattended for more than 24 hours away from your storage location, or if it is left unlocked, your claim may not be valid. Tools stored in a permanently fixed, lockable toolbox inside your vehicle have stronger protection.

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• Public Liability Insurance protects you if your bricklaying work causes injury or damage to third parties. For example, if a passer-by trips over bricks left on site or falling debris damages a nearby car.
• Employers’ Liability Insurance is a legal requirement if you employ anyone, even part-time or casual labourers. It covers claims from employees who are injured or become ill as a result of their work, such as straining their back while lifting heavy blocks

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If you have staff (full-time, part-time or even casual), make sure you’re covered on both fronts.

If something happens, like accidental damage to property, an injury on site, or your tools being stolen, you should let us know as soon as possible.

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You can report your claim by calling us at 020 3808 7099 or emailing claims@admiralbusiness.com, and our team will guide you through the process. We’ll usually ask for supporting evidence, such as photos, receipts, or a crime reference number if theft is involved.

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Ideally, you should notify us within 14 days of the incident. The sooner you provide details, the quicker we can help you get back on site.

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To make the process smoother, it helps to have:

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• The date, time and details of what happened
• Where it took place
• Any third-party details if someone else was involved
• Any photos or videos showing the damage or loss
• Proof of purchase for stolen or damaged tools (receipts or invoices)

If your tools cannot be repaired, Admiral Business will usually pay the original purchase price, as long as you provide proof. Having this information ready helps us settle your claim as quickly as possible.

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