Stonemason insurance
Join over 900,000 UK customers with public liability cover from £3.49 per month*
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Rated 4.7/5
Based on 39,778 reviews
Claims paid in 24 hours
For 80% of settled claims
Why do you need stonemason insurance?
Stonemasons face risks on a daily basis, such as tools being stolen or employees getting injured. That's why stonemason insurance you can help protect your business against the specific challenges you face.
- stonemason insurance online, from quote to claim
- peace of mind, letting you focus on your business, not the what-ifs
- UK-based claims team, award-winning and available 24/7
What does stonemason insurance cover?
Public liability insurance
In case your business and products cause an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your stonemasonry business.
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
Stock insurance
In case something happens to your products and consumables.
Tool insurance
In case your tools are lost, stolen or damaged.
Own plant insurance
In case plant machinery, like excavators, you own is lost, stolen, or damaged.
Hired-in plant insurance
In case plant machinery, like excavators, you've hired in is lost, stolen, or damaged.
Contract works insurance
In case your building work in progress is damaged by something like a fire, flood or vandalism.
Business interruption insurance
In case something is stolen or damaged and you lose income.
Business legal insurance
In case you’re hit with legal expenses connected to your business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or away from work.
Public liability insurance
In case your business and products cause an injury or property damage.
What’s typically covered by public liability insurance?
Claims against your business for:
- damage to someone else’s property while you’re working, or because of your work
- injury to someone as a result of your work
- accidental injuries caused by your employees at work
For example:
- you’re with a client and you accidentally spill coffee onto their designer handbag, causing a permanent stain
- your client trips over your laptop charger cable while you’re setting up for an appointment, breaking their wrist
- your employee damages a neighbouring business’s property while bringing equipment into your premises
**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**
Read more about public liability insurance
Employers’ liability insurance
In case anyone gets ill or injured while working for your stonemasonry business.
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- injuries to staff (including casual labourers and contractors) that are caused as a result of your business
- illness suffered by an employee (including temps and casual workers) caused by working for you
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- your office manager breaks their finger while trying to close a faulty window at your business premises
- your receptionist trips over a cable running across the floor of your office, breaking their ankle
- a temp worker scratches their arm on one of your tools, and the injury becomes infected
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
What’s typically covered by business equipment insurance?
Claims against your business for:
- damage and destruction caused by flood, fire, vandalism, or theft
- cover for your contents and the equipment needed to run your business
For example:
- a flood spreads to your office floor and means you need to replace several desk chairs
- your photocopier and fax machine are badly damaged during a break-in
- four business smartphones are stolen from your premises
Read more about business equipment insurance
Stock insurance
In case something happens to your products and consumables.
What’s typically covered by stock insurance?
Claims against your business for:
- loss, damage or theft of essential stock
- destruction of stock caused by fire or flood
- the cost of replacing items that you’re going to sell
For example :
- a fire in your shop destroys key stock
- your stockroom gets flooded by a leaking pipe
- someone breaks into your shop, stealing stock and damaging stock they leave behind
Read more about stock insurance
Tool insurance
In case your tools are lost, stolen or damaged.
What’s typically covered by tool insurance?
Claims against your business for:
- damage to the tools you use for work
- loss of your business tools or specialist equipment
- theft of your stonemasonry tools and equipment
For example:
- your work laptop is damaged accidentally and it stops working
- you lose your work phone while you're out and about
- someone steals your tools from your locked van
Read more about tool insurance
Own plant insurance
In case plant machinery, like excavators, you own is lost, stolen, or damaged.
What’s typically covered by own plant insurance?
Claims against your business for:
- damaging someone else’s property while working on a development site, or afterwards as a result of your work
- damage or destruction caused by vandalism
- damage or loss to your plant machinery, like a digger
For example :
- your forklift damages a van parked nearby, while you’re manoeuvring on site
- you’re building an extension for a customer and someone breaks into your works site, vandalising the premises and causing substantial damage
- you’re parked up outside a service station and thieves steal a generator from your trailer
Read more about plant machinery insurance
Hired-in plant insurance
In case plant machinery, like excavators, you've hired in is lost, stolen, or damaged.
What’s typically covered by hired-in plant insurance?
Claims against your business for:
- expensive costs and charges, if hired equipment gets damaged, lost, or stolen
- equipment that’s on-site or in transit
- causing injury or property damage while you’re working, or afterwards following your work
For example :
- thieves steal a generator from your trailer while you’re taking a break at a service station
- you accidentally drive a digger through someone’s fence while working on site
- a hired cement mixer and generator are made unusable following a flood
Read more about plant machinery insurance
Contract works insurance
In case your building work in progress is damaged by something like a fire, flood or vandalism.
What’s typically covered by contract works insurance?
Claims against your business for:
- repair costs for work that's been damaged or destroyed while on the job
- labour, materials and tools that'll get your work back to the stage it was in before the damage
- damage caused by fires, floods, storms, vandalism, or theft
For example :
- a storm causes damage to your place of work, setting back the project
- a fire destroys your tools that you left at work
- your work is damaged after a break-in, meaning you'll have to start from scratch
Read more about contract works insurance
Business interruption insurance
In case something is stolen or damaged and you lose income.
What’s typically covered by business interruption insurance?
- you can’t trade because of stock, contents, or building damage
For example:
- your inventory is damaged and you lose income because you’re unable to sell
- your work laptop is stolen or damaged and you can’t run your business
Read more about business interruption insurance
Business legal insurance
In case you’re hit with legal expenses connected to your business.
What’s typically covered by business legal insurance?
Claims against your business for:
- costs and expenses for legal representation to recover debts or unpaid invoices
- costs and expenses following identity theft
- tax protection if there’s an investigation into your business
For example:
- one of your clients is unhappy with your work and believes you haven’t met the contractual requirements – as a result they’re refusing to pay their outstanding invoice
- your CEO’s contact details are used by a fraudster to set up a new line of credit with a business bank
- HMRC is investigating your recent tax return as they noticed a fluctuation in your business income
Read more about business legal insurance
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or away from work.
What’s typically covered by personal accident insurance?
- compensation if you or an employee are injured in an accident, including weekly payments if you or they are unable to work for two weeks or more
- virtual Medical Care service with unlimited 24/7 access to medical advice, consultations, referrals and prescriptions
- 24/7 access to myStrength emotional health support app
You can buy this cover for:
- yourself
- your employees
For example:
- imagine one of your employees breaks their leg in an accident and is out of work for six weeks. Personal accident insurance would provide £300 for the broken leg diagnosis. After the employee's second week off, you'd receive four weekly payments to assist with costs during their absence. You could use the money as you wish – whether for loss of earnings, hiring a temporary replacement, or compensating the injured employee.
What's not covered?
- issues caused by sickness, illness, or disease
- conditions that develop over time without a direct connection to an accident
- mental illness, even if triggered by an accident
- self-inflicted injuries
- accidents that occur under the influence of drugs or misuse of medication
- deliberate exposure to danger, except when attempting to save a life
- injuries caused by taking part in a professional or semi-professional sport
Read more about personal accident insurance
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does stonemason insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £3.49 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.
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How do insurance claims work for stonemasonry businesses?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023
The figure above is rounded across our range of products. "Settled" covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Chosen by 900,000 small businesses and landlords
We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.
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Rated 4.7/5
Based on 39,778 reviews
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Stonemason insurance FAQs
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.
If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
Make sure you’re covered for the services you provide:
- View all business insurance covers
The types of businesses we insure:
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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