Income Protection for Bricklayers
Bricklaying is relentless manual graft, and self-employed brickies get no sick pay. If your back or shoulders go, the income stops. We find cover that pays out.
Key facts at a glance
- Profession
- Bricklayer
- Recommended priority cover
- Income Protection
- Typical benefit
- ≈ £2,000/mo — Example benefit on a £34,000 income (up to ~70%)
- Adviser
- FCA-regulated, whole-of-market UK broker
Reviewed by the LifeInsuranceForMe advice team · Last updated June 2026 · FCA-regulated UK broker
Bricklayers generally get own-occupation income protection but on a three-month minimum waiting period, with the critical-illness payout on the weaker work-tasks definition. A Personal Sick Pay plan can offer a shorter wait if cashflow matters.
Your body is your business — protect the income
Years of lifting and repetitive work take a toll. Income protection replaces your earnings while you recover from a back, shoulder or joint injury — or any illness that stops you working.
- Up to ~70% of earnings replaced, tax-free
- Covers musculoskeletal injury — the top cause of brickie downtime
- Based on real CIS or self-employed earnings
- Short deferred periods so you're paid sooner
Why It Matters
The Risks Bricklayers Need to Plan For
Bricklaying depends entirely on sustained physical ability, and the self-employed carry all the risk.
Back, shoulder & joint strain
Repetitive heavy lifting is the leading cause of long-term bricklayer injury.
No sick pay
Self-employed and CIS brickies earn nothing when off work.
Site & manual injury
Cuts, crush injuries and falls are everyday site risks.
Weather-dependent work
Lost days add up; protection smooths income gaps caused by illness or injury.
Recommended Cover
The Right Protection for Bricklayers
Based on the specific risks of your profession, here's what we typically recommend — ranked by priority.
Income Protection
Replaces up to ~70% of your income if injury or illness stops you working — short or long term.
Life Insurance
A lump sum to clear the mortgage and protect your family.
Critical Illness Cover
A tax-free sum on diagnosis of a serious illness.
Why Your Job Is Different
How We Get Bricklayers a Better Deal
Mainstream insurers often misprice or misunderstand your profession. Here's how we fix that.
Manual trades priced fairly
We use insurers who don't over-load heavy manual work.
CIS & self-employed savvy
Cover based on your real take-home, however you're paid.
Fast-paying policies
Short deferred periods so you're paid quickly after an injury.
"Did my shoulder in and couldn't lay a single brick for months. The income protection paid out and kept the bills covered. Every brickie should have it."
FAQs
Bricklayer Insurance — Your Questions Answered
Life Insurance & Income Protection
Bricklayer FAQs — Life Insurance & Income Protection
Common questions UK bricklayers ask about protecting their income and family.
Get Your Quote
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What cover are you interested in? (Select all that apply)
🛡️ Life Insurance
Lump sum for your family if you die
💷 Income Protection
Replace up to 70% of income if ill
❤️🩹 Critical Illness
Lump sum on diagnosis
🏠 Mortgage Protection
Clear your mortgage if you die
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