Bricklayers face two main categories of risk: liability (from work performed both during and after a project) and property (covering the tools, equipment and materials that the business depends on). The following coverages are the essential foundation of a bricklayer insurance package.
Especially critical for bricklayers who work at clients' properties, working off-site increases third-party property damage and bodily injury exposure. Examples: a client trips over a toolbox on the job site (bodily injury); a costly piece of artwork is destroyed while carrying materials through a client's home (property damage). Covers litigation costs and settlements.
Not all bricklayers need it, but if you provide design services or professional advice to clients, it's an essential addition. Covers professional negligence, bad advice, contractual breaches and failure to deliver.
Critical for bricklayers who transport tools to client sites and may leave them overnight. Standard commercial property insurance does not cover tools in transit or on a job site, separate Tools and Equipment Coverage fills this gap.
For large construction or renovation projects where the bricklayer is fiscally responsible for the project before handoff. Covers the building under construction and materials on-site against fire and natural disaster, and may also cover soft costs such as re-surveying and permitting. Sometimes held by the property owner or building company, not always the bricklayer's responsibility.
A CGL endorsement that covers damage or injury caused by your completed work after a project is handed over. Example: a brick fence built by the bricklayer collapses years after project completion and destroys a parked vehicle, the bricklayer is sued for alleged negligent workmanship.
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What is Bricklayer Insurance?
Bricklayer insurance, which is also known as masonry insurance, is a type of contractor insurance package designed to address the liability and property coverage needs of bricklayers. If you, your employee or a structure you created cause injury, damage or financial loss, you could have legal action brought against you to recover the associated expenses, and that would mean paying out of your own pocket for a wide range of litigation costs such as court fees, attorney fees, legal mediation and, if you are found liable, settlement expenses. Suppose you have the right type of liability coverage as part of your bricklayer insurance package. In that case, your insurance company will offer you compensation to deal with those costs so you can get past it and get back to business as usual.
Conversely, you may also experience problems leading to costs not associated with liability. If your tools, equipment, commercial property, and more suffer damage or destruction due to an insured peril such as a fire or theft, the repair, replacement or restoration cost to get your business up and running again can be prohibitive. The property insurance portions of your bricklayer insurance package can get you the necessary funds to take care of those costs, whether it's restoring your commercial property after a fire or replacing expensive equipment that was stolen from a job site.
Who Should Have Bricklayer Insurance in Ontario?
Anyone who lays bricks to construct a structure or surface should have the protection from financial setbacks that come with the right bricklayer insurance. Ontario professionals of all types need the proper business insurance to address the perils they are most likely to encounter in their line of work, and of course, bricklayers are no exception. No one can prevent or avoid all possible mishaps and mistakes that could lead to serious financial consequences. Still, with a robust package of bricklayer insurance policies, you can rest easily knowing you're covered if something goes wrong.
Is Bricklayer Insurance Legally Required?
Like most varieties of business insurance, bricklayer insurance coverage is not a legal requirement in Canada, with the obvious exception of commercial auto insurance. But even if the government doesn't make it mandatory, you can still run your business safely and effectively with the right masonry insurance or bricklayer insurance. Ontario masonry professionals should know that many clients and contracting companies will simply refuse to work with a bricklayer who cannot provide proof of insurance. That means you need to show a certificate of insurance that lists the right coverages and coverage limits to avoid being forced to walk away from lucrative contracts and leave them to be snapped up by your competitors.
But it's also essential to keep in mind that insurance for bricklayers exists for a reason—to protect you from the very high costs that can come along with being sued or having your commercial equipment and property destroyed. Most people and businesses don't have hundreds of thousands or even millions of dollars available to handle those types of expenses, so one single mishap or a disaster that is entirely beyond your control can cause a huge financial setback and potentially spell the end of your business. Why take that risk when you can transfer the risk to your insurance company and sleep soundly at night, knowing your business success is secured now and in the future?
