At CraftCover, we know that stone is an extremely varied medium, which is why we have created a bespoke stone craft insurance policy that can be tailored to suit your specific business.
We cover a wide range of different craft businesses, so whether you make mosaics or stone lettering, we create policies to suit your profession.
What is a stone craft business?
Stone craft businesses are usually run by stone carvers or stone masons who make a variety of different items from stone, such as mosaics, stone carving and masonry.
This type of business can also include repairing and restoring old buildings or working on new constructions. Stone carvers may focus on more sculptural pieces, specialise in letter cutting or work with a specific type of stone such as granite or marble.
Why do stone masonry businesses need insurance?
Stone masonry businesses need insurance to protect themselves financially from any unfortunate scenarios that may affect their business. This could include damage or harm to employees and/or their property, injuries to yourself or potentially injuries to the public or damage to third party property.
Having an injury or damage claim made against you can be extremely damaging if you don’t have insurance, especially if you are just setting up your business.
Common claims small craft businesses experience
While there are a wide range of different craft businesses out there, many of these businesses will experience similar types of claims. These claims can include:
- Injury to customers
- Allergic reactions
- Damage to customer property
- Slips, trips and falls within business premises
- Defective products
Whilst you may not think you will ever experience any of these claims, it can happen to anyone, which is why it is always essential to make sure you are correctly protected with the right insurance.
Bespoke craft insurance for stone art businesses
Stone is a varied medium, and so finding the right cover for your business can be tricky. Thankfully, we have bespoke craft insurance for stone art businesses, ensuring you are protected should a claim be made against you or an incident happens and you need to claim.
Our policy includes both public liability insurance and product liability insurance.
Public liability insurance
Public liability insurance covers your business from legal compensation costs that may arise due to public injury as a result of your business operations or products.
The main risks covered by this type of insurance include death and disablement of the public and loss or damage to third party properties.
Product liability insurance
Product liability insurance covers your product throughout the manufacturing, supply and sale process. With this type of insurance, you will also be protected from any unwanted costs or issues occurring as a result of your products, packaging or processes.
Do you need insurance to sell stone art online?
For a lot of online marketplaces, you don’t actually need insurance to sell online. It isn’t usually compulsory to have insurance in place, however, it is always best to ensure you and your business are protected.
Many online sites, such as Etsy and Folksy, will explain how to protect your business through them. They will also usually explain what their policies contain in reference to covering your sales, but this isn’t always extensive and may not be effective in a number of scenarios.
Do you need insurance to sell stone art at a craft fair?
Yes, most event organisers will require you to have adequate insurance in place to sell at their fairs, so it’s important you get your insurance ready ahead of time if you plan on attending a fair.
Our craft fair insurance is part of our comprehensive policy, meaning you’ll be covered all year round, allowing you to attend as many fairs as you wish. We also offer one off craft fair insurance which is perfect for those new to the world of craft fairs and are looking to try for just one weekend.
