Stonemasons Insurance With Public Liability Cover
Our standard cover is:
- Up to £5 million cover for public and products liability
- £10,000 cover for any financial loss (£50K cover optional)
- Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)
Working with stone is no walk in the park, and because of the size and weight of slabs you deal with, accidents are unfortunately inevitable. Just one wrong move could see you hurt somebody or damage their property, like accidentally dropping a slab on a customer and injuring them. Or you could fail to fit some masonry properly, causing it to fall from a height and damage your customer’s car. Such incidents could lead to legal action and costly cases against your business.
Public liability insurance is essential
Luckily, public liability insurance protects you in the above situations. Although claims of this nature can be very expensive to deal with, this cover ensures we and not you stump up the costs. You can buy this as part of our automatic package, which also protects you in relation to financial loss, legal expenses, and more.
Why you need other covers too
Of course, it’s not just the public who are at risk from your work. Working as a stonemason is a hazardous job for you and your employees as well. It’s all too easy for you to drop a heavy slab on your foot or pull a muscle while carrying one. With employer’s liability, you are protected should a staff member claim for any harm sustained while working, while personal accident insurance ensures your business can cope financially if you or an employee can’t work due to injury. Meanwhile, tool insurance covers your all-important equipment and professional indemnity insurance protects your business against claims arising from mistakes it makes.
Here at Tradesman Saver, we are on hand to advise which coverage you may need as a stonemason. Fill out a quick quote form or contact us today to receive a tailor-made insurance package that’s perfect for your company.
How our stonemasons insurance works
Complete our simple quote form with basic details about your business
Get a Quote
Get an instant quote & choose any optional covers you may need
Instantly activate your Tradesman Saver policy and view your certificates online
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Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
No need to wait for your documents. Our tradesman cover starts from the moment you purchase.
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
Stonemasonry Insurance: Frequently Asked Questions
Do stonemasons need insurance?
Stonemasons insurance protects your business from financial fragility should you or your employees make a costly mistake.Without it, you could be forced to pay huge amounts on things like legal fees and compensation costs using money that otherwise would remain in your bank account with sufficient insurance cover in place.
How much stonemasonry insurance cover do I need?
How much cover you need is impacted by things like how big your company is, the size of contracts you have and industry standards. For instance, a stonemasons association you’re part of may require you to have a certain amount of public liability insurance.
How much does stonemasonry insurance cost?
The cost of your stonemasonry insurance depends on factors such as your company’s claims history, the number of employees you have and how much cover you need. We will ask you to disclose all relevant information when you apply for a Tradesman Saver quote.
It Shouldn’t Happen To A Stonemason
Here are some examples of claims:
You’re on job, fitting some masonry at a client’s premises. Unfortunately, it hasn’t been attached properly and some debris falls from the building, injuring the client’s child. They choose to seek compensation from you. Your public liability will cover you here – it will cover the costs of the compensation so you can focus on running your business.
You’ve left your van unattended to grab a coffee whilst on a job. When you return, your van has been broken into and your tools have been stolen. Luckily, your tools & equipment insurance covers you for this situation – your insurer will pay to replace your stolen tools, so someone else’s sticky fingers needn’t destroy your business.