Masonry Insurance
- Underwritten by Zurich Insurance Company Ltd.
- Rated Excellent by tradespeople on Trustpilot
- Save 10% with B&Q TradePoint
- Expert UK telephone support
- Specialists in trades insurance for over 40 years
Whether you work with stone, brick, blocks, paving or restoration projects, Masonry Insurance can support your business if your work leads to injury, damage or unexpected costs.
What is Masonry Insurance?
Masonry Insurance is designed for stonemasons, masonry contractors and businesses working with brick, stone and concrete.
Masonry work often involves heavy materials, power tools, customer property and busy sites. That means there can be risks linked to accidental damage, injuries or disruption while work is being carried out.
Depending on the cover you choose, Mason Insurance can include:
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Public Liability insurance
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Employers’ Liability insurance
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Professional Indemnity insurance
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Tools cover
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Temporary Total Disablement Benefit
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Optional extras such as Contract Works, Owned Plant, Hired in Plant, Jury Service cover and Stock in Transit Cover
How much does Masonry Insurance cost?
The cost of Masonry Insurance depends on the type of work your business carries out and the level of cover selected.
Insurers may look at things like:
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The type of masonry work completed
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Number of employees or subcontractors
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Business turnover
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Claims history
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The tools and equipment used
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Whether you work across multiple trades
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The level of cover selected
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The type of sites and projects you work on
Getting a quote is the easiest way to see what cover could cost for your business.
Do you need Public Liability insurance for Masonry work?
Masonry work is often carried out in places where members of the public, customers or contractors are nearby.
For example:
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Tools or materials could damage property
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A third party could trip over equipment or debris
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Stone cutting or repair work could cause accidental damage
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Work on-site could affect neighbouring areas
Public Liability insurance can help if your work causes injury to another person or damage to their property.
Fixed Price, Fixed Peace of Mind
Lock in your insurance price for two full years with Trade Direct’s Price Freeze with our Classic and Plus policies.
Whether you're a builder, plumber, electrician or decorator, we know your work load can be unpredictable - your insurance price shouldn’t be.
What can Masonry Insurance cover?
What can be covered
✔ Public Liability Insurance: Can help cover claims if your work causes injury to another person or damage to their property.
✔ Property Damage: Can cover accidental damage caused by your work, tools or materials.
✔ Tools and Equipment Insurance: Classic and Plus policies include £1,000 of tools cover, with the option to increase cover up to £15,000.
✔ Professional Indemnity Insurance: Can help cover claims linked to advice, plans or specifications connected to your work.
✔ Legal Defence Costs: Can help with legal costs linked to covered claims made against your business.
✔ Temporary Total Disablement Benefit: Plus policies include cover that can provide weekly payments if you're unable to work due to injury, subject to policy terms.
✔ Third Party Financial Loss: Can help cover financial losses experienced by others as a result of your work.
What can’t be covered
✘ Injury to employees under Public Liability insurance
(Employers’ Liability insurance must be added separately)
✘ Damage to your own property or buildings
✘ Wear and tear to tools or equipment
✘ Faulty workmanship where there is no injury or property damage
✘ Deliberate damage or criminal acts
✘ Claims linked to undeclared work or excluded activities
✘ Existing damage before work started
✘ Injury or loss not covered under the selected policy sections
✘ Plant machinery (unless added as an optional extra)
✘ Work carried out before your policy start date
Why choose Trade Direct for Masonry Insurance?
Our Stonemason Insurance keeps things simple, straightforward and built around your work.
✔ Over 40 years supporting UK trades
✔ Underwritten by Zurich Insurance Company Ltd.
✔ Rated Excellent on Trustpilot
✔ UK-based support team
✔ Cover for over 70 recognised trades
✔ Flexible cover for Sole Traders and Masonry businesses
✔ 10% B&Q TradePoint discount available
Essentials
Our Masonry Insurance Essentials package includes Public Liability insurance and cover for Third Party Financial Loss.
✔ Public Liability insurance up to £5 million
✔ Third Party Financial Loss £100,000
✔ Employers' Liability insurance (£10 million available)
Ideal for: Sole Traders and Masonry businesses of up to 15 employees who need core cover.
Classic
Our Mason’s Classic package adds Professional Indemnity cover, Capital Death Benefit and Tools cover.
✔ Public Liability insurance up to £5 million
✔ Professional Indemnity cover £100,000
✔ Third Party Financial Loss £100,000
✔ Capital Death Benefit
✔ First £1,000 of Tools cover, with the option to increase to £15,000
✔ Employers' Liability insurance (£10 million available)
Ideal for: Businesses looking for broader cover, including tools and professional risks.
Also includes: Price Freeze (2 years, T&Cs apply)
Plus
Our Masonry Insurance Plus package builds on Classic by adding Temporary Total Disablement Benefit.
✔ Public Liability insurance up to £5 million
✔ Professional Indemnity cover £100,000
✔ Third Party Financial Loss £100,000
✔ Capital Death Benefit
✔ First £1,000 of Tools cover, with the option to increase to £15,000
✔ Temporary Total Disablement Benefit up to £600 a week per person
✔ Employers' Liability insurance (£10 million available)
Ideal for: Masonry businesses looking for more complete cover, including protection if you're unable to work due to injury.
Also includes: Price Freeze (2 years, T&Cs apply)
Optional Extras
Optional extras can be added depending on your business needs:
- Contract Works
- Stock in Transit cover
- Owned Plant
- Hired in Plant
- Jury Service cover
Who and what we cover
Trades & work covered
✔ Stonemasonry
✔ Brick and block work
✔ Stone cleaning
✔ Stone walling
✔ Paving work
✔ Restoration work
✔ Memorial masonry
✔ Multi-trade building work
Businesses we cover
✔ Partnerships
✔ Limited companies
✔ Limited liability partnerships
✔ Subcontractors
✔ Masonry businesses of all sizes
Tools Insurance
Tools are a big part of the job. Standalone tools insurance can provide cover up to £15,000.
Van Insurance
Stay protected from theft and third-party damage while getting from A to B.
Builders Insurance
Flexible builders insurance designed for UK tradespeople and contractors.
Get your Masonry Insurance quote today
Looking for cover built around masonry and stonemasonry work?
Trade Direct Insurance offers flexible insurance options for tradespeople and businesses across the UK.
Get a quote today and see how we can help protect your business, tools and work.