Contractor Specialists
20+ years of experience working with contractors
270k Businesses Covered
Trusted by businesses Australia-wide
All Policies, One Place
Cover from public liability to general property and beyond
Compare Options
And get documents fast once cover is arranged
Bricklayers insurance is a general term for a range of insurance products that may be relevant to brickies, bricklaying contractors and masonry businesses.
Depending on the cover arranged, insurance may assist with risks such as:
The cover available will depend on the policies selected, your business activities, insurer acceptance, policy limits, conditions and exclusions.
Bricklayers manage risks involving heavy materials and structural works. Below are examples of cover types bricklaying contractors commonly consider, depending on their work, contracts and business structure:
May cover claims for third-party injury or property damage caused by your bricklaying work, such as falling bricks, damaged property, or injury to a passer-by.
Can help protect your brick saws, mixers, and hand tools against theft or accidental damage on site or while in transit.
May provide income support if an injury or illness prevents This may be considered by sole traders who do not have access to paid sick leave.
Can help protect your business if advice or specifications you provide result in a financial loss for a client.
May be required if you have employees. It can help cover wages and medical costs if a staff member is injured at work.
Can help cover professional fees from your accountant if your bricklaying business is selected for a random audit by the ATO.
Disclaimer: The information provided in this section is intended as a general overview. Coverage options and limits may vary depending on your policy, location, and insurer.
The cost of bricklayers insurance varies depending on the type of bricklaying work you do, your turnover, who works with you, the sites you attend, and the cover options selected. There is no single price. Insurers assess your business risk before calculating your premium.
Several factors can influence the cost of bricklayers insurance. These may include the size of your jobs, the type of sites you work on, and the cover limits requested.
Bricklayers often compare different cover limits and policy types depending on their contracts, site access requirements, tools, and business structure.
Premiums are subject to individual underwriting, insurer acceptance, and policy terms, conditions, limits, and exclusions.
Note: Requirements vary by state or territory, licence category, contract role, project type and contract value. Bricklayers working as subcontractors may have different obligations from builders, head contractors or principal contractors. This information is general only and should not be relied on as legal, licensing or compliance advice. Always check your licence conditions, contract requirements and the relevant state or territory regulator before relying on this information.
Residential bricklaying work often requires insurance based on project value and whether building approval is needed. For projects valued at $12,000 or more, builders must provide residential building insurance or a fidelity certificate.
For residential work over $20,000, Home Building Compensation (HBC) cover is generally required when you are the principal contractor. This is a legal requirement under the Home Building Act 1989 for licensed tradespeople.
Residential building work is covered under the Home Building Certification Fund for prescribed residential work. This scheme acts as a safety net for homeowners regarding incomplete or defective work on residential properties.
Many bricklaying jobs fall under the QBCC Home Warranty Scheme. For residential work over $3,300, insurance is generally required. The premium must be paid by the licensed contractor before work commences.
Building Indemnity Insurance (BII) is generally required for residential bricklaying work above $20,000 that requires council approval. It protects homeowners if a contractor cannot complete the project or rectify defects.
Tasmania currently utilizes a voluntary residential building insurance scheme. However, licensed contractors are still required to hold Public Liability and Contract Works insurance when operating under specific building practitioner categories.
Domestic Building Insurance (DBI) is generally required for residential bricklaying work over $16,000. The Victorian Building Authority (VBA) requires evidence of this cover before a builder can take a deposit or start work.
Home Indemnity Insurance (HII) is generally required for residential building work over $20,000. This insurance must be taken out by the builder in the name of the homeowner before any payment is accepted or work begins.
Arranging cover for your bricklaying business is a straightforward process. Get a quote and receive your insurance documents in minutes.
Complete our occupation selection form with details about your bricklaying work, including your annual turnover and the number of staff you employ.
Compare options for Public Liability, tool cover, and Personal Accident insurance. Choose the limits that may suit your specific contract requirements.
Confirm your details and complete the payment. Your certificate of currency and policy documents are issued instantly via email.
Cover is subject to policy terms, conditions, exclusions, and insurer acceptance.
Contractor Cover is the one-stop insurance shop for contractors across Australia.
We help contractors, subcontractors and small businesses compare commonly arranged business insurance options in one place. Choose from available cover types and limits based on your trade, business activities and contract requirements, subject to insurer acceptance, policy terms, conditions, limits and exclusions.
Call our team today at 1300 438 268 for more information or fill in our easy online quote form.
270k+ businesses covered
20+ years of experience
Contractor insurance specialists
At Contractor Cover, we’re proud to have a dedicated executive team that brings decades of experience, strategic insight, and an unwavering commitment to supporting Australian contractors.
John Elliott is the founder of Elliott Insurance Brokers, the business behind Contractor Cover. With nearly 20 years of insurance industry experience, John helps guide the business with a focus on practical cover, reliable service and clear support for Australian contractors.
Rachael Milne joined Elliott Insurance Brokers in 2012 and supports the systems, planning and financial structure behind Contractor Cover. Her work helps the business operate smoothly while supporting clear, reliable insurance services for contractors Australia-wide.
Kris Wright supports Contractor Cover through technology, systems and process improvement. His work helps keep the online quote experience simple, organised and efficient, making it easier for contractors to compare cover options and access documents quickly.
Tim Stingers brings more than a decade of insurance experience, with a strong focus on trades and construction. His knowledge helps support contractor-focused cover options for tradies, subcontractors and small construction businesses.
While there is no single national law, most builders and commercial clients require Public Liability insurance before you can enter a site.
Self-employed bricklayers are responsible for their own cover, whereas employees are typically covered under an employer’s policy and Workers Compensation.
Coverage for silica-related claims depends on the specific policy. It is vital for bricklayers to review exclusions regarding dust and respiratory risks.
It is important to check if you are covered for claims that arise after the job is finished, such as a wall failure that causes injury or damage later on.
Most policies cover sudden accidental damage rather than the cost of simply fixing a poorly laid wall. You should clarify with your broker where the line is drawn.
Many bricklayers bundle Tools Insurance (for theft and accidental damage) and Commercial Motor Insurance (for their ute or van) with their liability policy.
If you employ people, Workers’ Compensation is a legal requirement. You should also check if your policy covers you for the vicarious liability of subcontractors working under you.
A Certificate of Currency is proof that your insurance policy is current and active. Builders and commercial clients often require this document before you start work.
You should review your insurance at least once a year, or any time your business changes. A quick review helps ensure you remain properly protected.
Common triggers include:
We take your privacy seriously. Your information is stored securely and used only to provide insurance services, issue documents, manage claims, or support your policy. You may view a copy of our full privacy policy at any time, and we are happy to explain how your information is handled.
To get started with your business insurance, get an instant online quote for your occupation. If you can’t see your occupation or if you require specialist cover, contact our team today.
Mon - Fri
8:30am - 7:00pm WST
Sat
9:00am - 5:00pm WST
info@contractorcover.com.au
1300 438 268
Different business types need different quote pathways. Choose the option that best fits the work you do.
For consultants, IT contractors, project managers, designers, advisors and other non-trade professional services across a wide range of industries.
Contractor QuoteYou will be directed to business.contractorcover.com.au
For trade-based businesses, builders, contractors, mining services, civil, construction, plant, installation, maintenance and industrial work.
Trade QuoteYou will be directed to alltradescover.com.au/get-a-quote