Stonemason insurance

Specialist stonemason insurance from £10 a month*.

  • Fast, easy online quote in 90 seconds

  • Levels of cover to suit you

  • Pay by interest free direct debit

As a stonemason, you face many risks. From using dangerous tools, to lifting large, heavy objects, to working at heights, each project brings its own unique challenges.

Whether you’re restoring stone walls, working on property extensions, carrying out structural alterations or anything else, accidents can happen. You might damage a client’s property or cause injury to a member of the public, for example. In situations like these, you’ll need insurance to fall back on.

At Markel Direct, we offer stonemason insurance that will cover unexpected costs and help you focus on what you do best - delivering impressive results for your customers.

What is stonemason insurance?

Stonemason insurance protects you from the financial risks you face in your profession. It can include various types of cover - and it’s up to you to choose the protection you want for your business. Public liability insurance is considered vital by many stonemasons, and other popular types of cover include tools insurance, occupational personal accident cover and employers’ liability protection.

When you come to Markel Direct for your stonemason insurance, you can take your pick from a full range of policy options.

Public liability insurance for stonemasons

Public liability claims can be very costly for stonemasons. In your job, there is always a chance that you will accidentally injure members of the public or damage their property. You might be using a mallet and chisel to shape a section of stone when a small chunk flies off in an unexpected direction, hitting a passerby in the eye and causing them a serious injury. Or you might drop a heavy piece of stone while working inside a customer’s property, resulting in major damage to their flooring. In cases like these, you could find yourself subject to costly legal action and compensation claims.

Stonemason public liability insurance is there to protect you in scenarios like these. It will cover any legal fees and compensation payments you owe if a claim is made against you.

Do I need stonemason insurance?

Being a stonemason requires considerable skill and precision, and you no doubt take great pride in your work. But even if you always proceed with care, things can go wrong when you least expect them. And because of the nature of your job, if the unexpected does happen, the consequences for your finances can be severe. Stonemason insurance is there to protect you from a range of unfortunate scenarios that could end up hitting your bottom line.

For example, you might be working at height on a ladder when you drop your punch hammer, hitting a member of the public who happens to be passing by and causing serious head injuries. Or perhaps you’re working with mortar when you accidentally flick some onto your customer’s expensive car. In situations like these, would you be able to pay for the damages out of your own pocket? If not, it’s advisable to purchase public liability insurance. Some customers may demand that you have this type of protection in place before they will allow you to work for them.

Or what if the tools you rely on to do your job, from electric stone cutters and pneumatic hammers to dust extractors, were to be stolen, damaged or lost? Having tools insurance in place will mean you’re not left counting the cost.

If you have people working for you, even if they’re only part-time or temporary employees, the law demands that you have at least £5 million of employers’ liability cover in place.  

Why choose Markel Direct for stonemason insurance?

At Markel Direct, we pride ourselves on offering tradespeople reliable cover that’s there when they need it. Here are just five of the many reasons to pick us as your insurance provider.

✔ Quotes in as little as 90 seconds

You don’t want to spend an age arranging stonemason insurance. With us, you don’t have to. Simply complete our online form and we’ll give you a quote in as little as 90 seconds.  

✔ Protection that’s tailored to your business

When you come to Markel Direct for stonemason insurance, you’ll get cover that’s tailored to match your exact needs.  

✔ Transparent pricing

There’s no need to worry about hidden fees when you buy insurance from us. Our pricing is fully transparent, so you’ll know exactly how much your policy will cost.  

✔ Legal advice around the clock

In an emergency, you want to be able to speak to legal experts without delay. With Markel Direct, you can. We run a 24/7 legal advice helpline staffed by expert solicitors.

✔ Impressive customer feedback

To see what our customers think about our services, take a look at our impressive reviews on Feefo.com.

How to buy stonemason insurance

If you’re new to arranging stonemason insurance, you might be feeling a little daunted. With Markel Direct however, the process is quick and easy. Simply fill in our online form by answering some straightforward questions and we’ll provide you with an instant quote. Decide whether to start your cover immediately or arrange it up to 30 days in advance.  

How much does stonemason insurance cost?

The cost of stonemason insurance varies depending on a number of factors. For instance, the size of your business will have an impact, as will the types of cover you want to include in your policy and the level of financial protection you’re after.  

*Price based on a stonemason requiring £1 million of public liability insurance.

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Cover starting from £10 a month

What types of insurance do stonemasons need?

  • Public liability insurance

    Public liability insurance protects you as a stonemason from claims made by members of the public who’ve been injured or suffered property damage because of your business. Our policies come with cover limits ranging from £1 million to £5 million.
     
    Example of a claim:
     
    While you’re repointing stonework on a chimney, you accidentally drop a pointing chisel onto a car parked below, causing serious damage to the bodywork. The vehicle owner sues you for compensation.

  • Employers' liability insurance

    Employers’ liability insurance covers the cost of a claim brought if an employee suffers an injury or illness because of their work. The law specifies that you must have at least £5 million of this type of insurance if you have people working for you. Our policies offer a cover limit of £10 million.
     
    Example of a claim:
     
    One of your workers slips while using an angle grinder, injuring their hand. They seek compensation for their suffering.

  • Tools insurance

    Tools insurance pays out if the equipment you use to do your job is stolen, lost or damaged. We offer cover limits ranging from £1,000 to £5,000, and you can either insure your tools around the clock or during working hours only (8am – 8pm).
     
    Example of a claim:
     
    A number of expensive power tools you rely on for your work are stolen from a locked garage. You have to purchase replacements.

  • Occupational personal accident insurance

    Occupational personal accident insurance provides compensation if you can’t work as a result of an injury you’ve suffered due to your job. Depending on the nature of your injury, it can offer either weekly payments or a single lump sum.

  • Owned plant insurance

    Owned plant insurance provides financial protection if machinery you own is stolen or damaged. Our policies come with cover limits ranging from £10,000 to £50,000.

  • Hired in plant insurance

    Hired in plant insurance covers you if equipment you have hired from another company is stolen or damaged. Choose from cover limits of between £10,000 and £50,000.

  • Contract works insurance

    Contract works insurance pays out if you have to redo work carried out on a construction site as a result of flooding, fire, theft or an act of malicious damage.

  • Goods in transit insurance

    Goods in transit insurance covers you if your goods are lost or damaged while being moved from one place to another. It provides protection whether your items are being transported in your own vehicles or via a courier.

  • Professional indemnity insurance

    Professional indemnity insurance protects you if you’re sued over mistakes you make in the advice or designs you provide to clients.

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Cover starting from £10 a month

Frequently asked questions

  • Is business insurance a legal requirement for stonemasons?

    Most types of business insurance aren’t legally required for stonemasons. If you have employees, the law demands that you have employers’ liability cover in place. But all other types of financial protection are optional.
     
    However, it’s important to be aware that not having suitable cover in place can spell disaster for your bottom line. In addition, some clients may demand that you have public liability insurance in place.

  • When should I get stonemason insurance?

    It’s advisable to get stonemason insurance before you take on your first job. Accidents can happen at any time, so it makes sense to be protected from the get-go.

  • Can I just cover my most expensive tools?

    When you buy insurance from Markel Direct, you must cover all of your tools. This ensures that you have full protection if you have to make a claim. If you don’t have full insurance, you may find that a claim isn’t covered, or you might receive a smaller amount of compensation.

  • Can I just cover my most expensive tools?

    Markel is regulated by the Prudential Regulation Authority and Financial Conduct Authority. Discover more by visiting the Financial Services Register.

Access free legal services for your stonemason business when you arrange cover with Markel, including:

24 hour legal helpline 24/7 access to a legal advice helpline manned by qualified solicitors

Legal hub access Access legal templates and resources with the Markel Business Hub

 Receive discounted IR35 contract reviews with your policy

 Expert management of public relations crises with The Counsel House

Cover starting from £10 a month