Public Liability Insurance for Stonemasons

Why Stonemasons need liability insurance

As a stonemason, you use your craftmanship to produce a range of products for your customers, from buildings and structures to sculptures and monuments, your mind concentrating on the job in hand. You may be carving with your mallet and chisel when some stone flies in an odd direction, hitting a person in the eye. You should therefore think about taking out some stonemasonry public liability insurance.

Without the cover, you could easily end up in financial trouble. Imagine accidentally flicking some mortar onto an expensive sports car, it is doubtful many people would be able to stump up the cash required in legal fees and compensation for such a claim. Public liability insurance for stonemasons is not compulsory but essential to ensure your business’ survival.

Common types of claims

• Carrying a new sculpture through a property, you slip and it falls, damaging the wooden flooring
• When up a ladder, shaping some rock into a structure, you drop your punch hammer and hit a passer-by on the head
• Your employee slips with the angle grinder, injuring their hand

This cover is optional but Ashburnham recommend that you certainly consider having it. Furthermore, if you have employees, you may wish to consider Employers Liability to provide compensation in the event of them being injured whilst at work.

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