Bricklayer Insurance

Factors that affect the cost of bricklayer insurance

Just like no two brick walls are exactly alike, no two bricklayer insurance premiums are calculated the same. Your premium depends on a mix of business and personal factors, such as where you're located, the type of projects you take on, and your claims history. Here are some of the factors that insurers look at:

Business size and structure

Whether you’re a sole proprietor laying bricks solo or running a corporation with a full crew, your setup affects your rate. Generally, more employees mean more potential for workplace injuries and a higher premium to balance it.

Project types

Residential brickwork is usually considered lower risk than high‑rise commercial projects that require scaffolding and specialized safety measures. The more complex or high‑exposure the project, the higher the insurance cost.

Tools, equipment, and vehicles

From masonry saws and scaffolding to pickup trucks and cargo vans, the value and number of assets you need insured play a role in premium costs. More (or pricier) equipment means more coverage and higher premiums.

Where you operate

Urban work often comes with higher rates due to increased theft risk, higher foot traffic, denser job sites, and higher property values. On the other hand, rural areas may see lower premiums but could face higher travel‑related exposures.

Years of experience

Seasoned bricklayers (with a clean claims record) may pay less than those just starting out. Experience often translates into safer work practices and fewer accidents. In fact, according to the Hard Hat Training Company, newcomers to the trade are five times more likely to be injured than seasoned workers, with 40% of all workplace injuries happening within an employee’s first year, and one in eight injuries occurring on their very first day.

Coverage type, limits, and deductibles

Opting for broader coverage, higher limits, or lower insurance deductibles will raise your premium. On the other hand, choosing a higher deductible can help lower your rate, but also means paying more out of pocket in a claim.

Claims history

A spotless claims record over several years shows insurance companies you’re a lower risk to insure. Multiple or frequent claims, however, can quickly drive up your premiums, because they see you as someone more likely to file again.