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.