Bricklayer Insurance

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Bricklaying is a skilled trade that demands strength, precision, and long hours on demanding job sites. From handling heavy materials at heights to working in all weather conditions, the physical and liability risks are real, and one mistake can cost more than just bricks and mortar.

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What is bricklayer insurance?

Similar to masonry insurance, bricklayer insurance is a specialized form of contractor insurance, but it's designed to specifically protect brick and block laying professionals from the unique risks of the trade. Laying bricks and blocks might seem straightforward, but every job site carries hazards, from dropped tools that damage a client’s property to scaffold falls causing serious injuries, to structural mishaps and even stolen tools.

Unlike a standard business insurance policy, bricklayer insurance is built for the realities of bricklaying and block work. It can include general liability insurance to cover third‑party injury or property damage claims, equipment and tools insurance for stolen or damaged gear, commercial auto insurance if you’re hauling bricks, mortar, and scaffolding to job sites, and more.

Who we help

Running a business is hard work, but BrokerLink simplifies insurance, letting you focus on your business with coverage tailored for any size or industry. Secure your business with us today.

From independent bricklayers laying brick for custom garden walls to large crews building multi‑storey commercial projects, BrokerLink works with bricklaying businesses of all sizes across Canada. Let us help you find coverage that protects all aspects of your business.

Self-employed bricklayers
Bricklayer subcontractors
Union-affiliated tradespeople
Commercial bricklaying companies
Heritage and restoration specialists
Bricklayers working for a masonry company
Residential brick and block laying contractors

Why do you need bricklayer insurance?

Bricklaying is one of the most physically demanding and high‑risk trades in construction. You work with heavy loads, sharp tools, scaffolding, and unpredictable weather, all while ensuring your work is structurally sound. Even experienced bricklayers face risks like dropped bricks damaging a client’s property, scaffolding collapses, or mortar spills that cause injury.

There are many risks that could lead to costly repairs, medical bills, lawsuits, or lost income, such as:

A brick slipping from your scaffold and cracking a homeowner’s window
A client tripping over a misplaced brick, breaking a hip
Your tools and/or equipment are stolen overnight from a job site or out of your locked work van
Your work truck causes an accident on the way to a job

And because bricklaying is far from risk‑free, many provinces require certain forms of liability insurance by law for anyone working in the construction industry. It's also why many professional associations and trade unions carry their own minimum coverage standards, and why most clients expect you to provide a certificate of insurance (COI) before awarding contracts.

Types of insurance coverage for bricklayer contractors in Canada

There’s no Canada-wide law making bricklaying insurance universally mandatory. Still, provincial licensing rules and project contracts often require specific coverages, and if you use a vehicle for work, commercial auto insurance is mandatory. Here are the key types of coverage you’ll want to consider for your bricklayer insurance policy.

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Commercial general liability protects you if your work causes third-party injury or property damage while on the job and even after it's completed (up to the agreed-upon timeframe).

Commercial auto insurance covers vehicles you use for work, including trucks and vans used to transport materials, as well as any personal vehicle(s) you use to get to and from job sites.

Tools and equipment insurance helps cover the costs to replace your tools and/or equipment due to theft, loss, or certain types of damage, whether they're on site, in storage, or in transit.

Installation floater insurance helps cover the cost to repair or replace materials and partially completed work if it is damaged due to a covered peril, until the project is finished.

Also called errors & omissions (E&O) insurance, this protects you from costly claims of negligence, design errors, bad advice, or failure to meet project specifications. It helps with legal fees and settlements.

Pollution liability insurance helps to cover the costs related to environmental damage, such as improper disposal of construction waste.

As a skilled trade operating in construction, which accounted for 32% of Canadian workplace fatalities in 2023, bricklayers face measurable physical risk at work. Personal accident insurance provides benefits if you suffer a serious injury while on the job.

Commercial property insurance helps protect your office, warehouse, or storage yard against fire, theft, vandalism, and more.

Business interruption insurance helps replace lost income and cover operating expenses if your bricklayering business is forced to temporarily close due to an insured event.

Cyber insurance helps protect you financially against data breaches, cyberattacks, and ransomware threats, which is especially important if you store client contracts, payment details, or blueprints digitally.

Contractual liability helps extend your liability coverage to meet specific requirements in contracts.

Umbrella insurance provides extra liability protection above your existing policy limits.