Stonemasonry Ex Building Work Insurance

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Insurance for stonemasons, memorial masons and stone restoration businesses where the work excludes building, structural and wider construction activity.

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Stonemasonry insurance for memorial, restoration and stonework risk

Stonemasonry excluding building work can still involve public access, heavy stone, lifting, cutting, engraving, restoration quality, tools, stone stock, workshops and goods in transit.

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

Insurance for Stonemasons Excluding Building Work

Stonemasonry ex building work insurance is for businesses cutting, engraving, restoring, supplying, fixing or maintaining stone where the trade does not include building, structural masonry, construction-site contracts or broader building work.

It can suit memorial masons, cemetery stone contractors, stone restoration specialists, carving workshops and stonemasons working with granite, marble, limestone, sandstone, slate, plaques, memorials, decorative stone and smaller non-building installations.

Who This Page Is For

  • Stonemasons, memorial masons and cemetery stone contractors excluding building work.
  • Businesses cutting, engraving, polishing, restoring, transporting or fixing stone.
  • Stone restoration and decorative stonework businesses that do not carry out construction work.
  • Workshops and mobile stonemasons handling tools, stone stock and customer property.

What Cover Can Include

  • Public liability for injury, property damage, cemetery visitors, customer premises and stone fixing incidents.
  • Employers' liability for employees, apprentices, labour-only subcontractors and supervised workers.
  • Tools, workshop equipment, lifting aids, stone stock, materials and goods in transit.
  • Products liability, business interruption, commercial vehicle and legal expenses where required.

Stonemasonry Risk Areas

Claims can involve falling stone, lifting injuries, damaged graves or memorials, chipped or broken customer stone, engraving errors, vehicle loading incidents, tool theft, workshop accidents, visitor injury and disputes over restoration or fixing quality.

Stonemasonry excluding building work insurance

Insurer Questions

  • Do you carry out any building, structural or construction-site work?
  • Do you cut, engrave, polish, restore, transport or fix stone?
  • Do you work in cemeteries, churchyards, homes, workshops or public areas?
  • What tools, lifting equipment, vehicles and stock values need cover?
  • Do you use employees, subcontractors or specialist machinery?

Public Access and Stone Handling

Even without building work, stonemasonry can involve heavy stone, public access, cemeteries, customer property and manual handling. Insurers may review fixing methods, lifting controls, vehicle loading and visitor safety procedures.

When Building Work Must Be Declared

If the business carries out building, structural stonework, scaffolding, height work, construction-site contracts or wider masonry contracting, insurers need that declared because it can change the cover and pricing conversation.

Related Contractor Pages

STONEMASONRY EX BUILDING WORK INSURANCE FAQS

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What does stonemasonry excluding building work insurance cover?

It can include public liability, employers' liability, tools, workshop equipment, stone stock, goods in transit, products liability, business interruption and commercial vehicle cover depending on the work carried out.

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How is this different from stonemasonry including building work?

This page is for stonemasonry where building, structural, scaffolding or wider construction work is not part of the trade. Building work should be declared separately because it can change liability, height, plant and contract works exposure.

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What information helps insurers quote?

Insurers usually ask about stone cutting, engraving, restoration, memorial work, cemetery work, workshop equipment, lifting methods, stock values, goods in transit, employees, subcontractors and claims history.