A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT'S COVERED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
Tool Theft
SCENARIO
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT’S COVERED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
SCENARIO
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
WHY IT’S COVERED
Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.
SCEANRIO
After a late job, you leave your tools locked in the ute canopy. Overnight, thieves force the lock and pry the door open, stealing your trowels, mixer and laser level. You can see clear damage to the vehicle and locking points.
WHY IT'S COVERED
Tools of Trade insurance can cover theft of tools from a securely locked vehicle or building, when there is evidence of forcible entry.
Tool Theft
SCEANRIO
Your client asks you to store their stone pavers and outdoor furniture beside the work zone while you brick a new patio. A pallet of bricks slides off the ute and cracks the pavers while they are under your control, before installation.
WHY IT'S COVERED
Cover can apply to loss or damage to property not owned by you but under your physical or legal control, policy limits may apply.
Property in Your Care
SCEANRIO
Working on scaffolding near a footpath, a loose brick and some debris fall from the top course and strike a passerby. They suffer a shoulder injury, need treatment, and later claim for medical costs and lost income.
WHY IT'S COVERED
Public Liability insurance can cover third party compensation payments if your negligence while performing your services causes injury.
Public Injury
SCEANRIO
During a backyard build, a wheelbarrow of mortar tips as you lay a boundary wall, splashing slurry onto the client's windows and staining fresh paving. The owner later claims for professional cleaning, glass replacement and repairs.
WHY IT'S COVERED
Public liability can cover compensation you're legally liable to pay for third party property damage caused by your bricklaying work.
Client Property Damage
Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.
Benefits
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Bricklayer insurance is a general term used to describe insurance designed for bricklaying businesses. It usually refers to public liability cover, which is designed to cover claims for third-party injury or property damage arising from bricklaying activities.
Bricklayer insurance is a general term used to describe insurance designed for bricklaying businesses. It usually refers to public liability cover, which is designed to cover claims for third-party injury or property damage arising from bricklaying activities.
Most bricklayers take out public liability insurance to cover third-party injury or property damage caused by their work. If you employ workers, a separate workers compensation policy is required by law. Bricklayers may also choose tool cover to protect tools against theft or accidental damage.
Most bricklayers take out public liability insurance to cover third-party injury or property damage caused by their work. If you employ workers, a separate workers compensation policy is required by law. Bricklayers may also choose tool cover to protect tools against theft or accidental damage.
Public Liability insurance does not cover the cost to fix or redo faulty brickwork itself. It is designed to cover claims where faulty brickwork causes third-party injury or damage to third-party property, such as a wall collapse damaging a neighbouring structure.
Public Liability insurance does not cover the cost to fix or redo faulty brickwork itself. It is designed to cover claims where faulty brickwork causes third-party injury or damage to third-party property, such as a wall collapse damaging a neighbouring structure.
How much does bricklayer insurance cost in Australia?
The cost of bricklayer insurance varies depending on factors like your turnover, type of work, location, claims history and chosen limits. Premiums are assessed individually, so there is no fixed price. Adding optional covers, such as tools insurance, can also affect the total cost.
How much does bricklayer insurance cost in Australia?
The cost of bricklayer insurance varies depending on factors like your turnover, type of work, location, claims history and chosen limits. Premiums are assessed individually, so there is no fixed price. Adding optional covers, such as tools insurance, can also affect the total cost.
Do bricklayers need Public Liability insurance in Australia?
Public Liability insurance is not required for bricklayers. However, it is commonly expected by builders, principal contractors, councils and commercial clients before you can work on site.
Do bricklayers need Public Liability insurance in Australia?
Public Liability insurance is not required for bricklayers. However, it is commonly expected by builders, principal contractors, councils and commercial clients before you can work on site.
Neglecting to have public liability insurance can not only bankrupt your small business but also open the door to your personal assets being up for grabs.
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The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement. Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.
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