{"id":384,"date":"2024-04-26T09:06:55","date_gmt":"2024-04-26T09:06:55","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/stonemason-insurance\/"},"modified":"2026-05-08T09:37:53","modified_gmt":"2026-05-08T09:37:53","slug":"stonemason-insurance","status":"publish","type":"page","link":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/stonemason-insurance\/","title":{"rendered":"Stonemason insurance"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull hero-insurance has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-3bed416a wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--90);padding-right:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--90);padding-left:var(--wp--preset--spacing--80)\">\n<div class=\"wp-block-group alignwide hero-insurance__grid is-nowrap is-layout-flex wp-container-core-group-is-layout-b6b71352 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group hero-insurance__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<h1 class=\"wp-block-heading has-text-align-left has-x-large-font-size\" id=\"h-seo-h1\">{{SEO H1}}<\/h1>\n\n\n\n<p class=\"has-text-align-left has-azure-700-color has-text-color has-link-color has-medium-font-size wp-elements-db64829db084670a428ca3a064542a19 wp-block-paragraph\" style=\"line-height:1.7\">{{STRAP LINE COPY}}<\/p>\n\n\n\n<div class=\"wp-block-group hero-insurance__cta-row has-azure-300-background-color has-background is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-cb46ffcb wp-block-group-is-layout-flex\" style=\"border-radius:8px\">\n<p class=\"wp-block-paragraph\">Get tailored quotes in&nbsp;<strong>7 minutes<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">UK-based expert support, online and on the phone <\/li>\n\n\n\n<li class=\"wp-block-list-item\">Get covered and all your documents the same day<\/li>\n\n\n\n<li class=\"wp-block-list-item\">Compare tailored stonemasonry insurance from trusted brands<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{USP BULLET 4}}<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-left has-azure-700-color has-text-color has-link-color has-xsmall-font-size wp-elements-f15715711d018229a5bc7da098573735 wp-block-paragraph\" style=\"line-height:1.7\">{{HERO DISCLAIMER}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group hero-insurance__img-container has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"456\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/stonemason-insurance.png?w=815\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Two workmen discussing planning documents\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/stonemason-insurance.png 815w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/stonemason-insurance.png?resize=800,448 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/stonemason-insurance.png?resize=768,430 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/stonemason-insurance.png?resize=150,84 150w\" sizes=\"auto, (max-width: 815px) 100vw, 815px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-0111f410 wp-block-columns-is-layout-flex has-3-columns wp-block-block\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<p class=\"has-azure-600-color has-text-color has-link-color wp-elements-f98a563b5597620ea8c0a3b82a1fd257 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--20)\">Compare quotes from leading brands<\/p>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-layout-flex wp-container-core-group-is-layout-f0b9e014 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"88\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/AIG.png\" alt=\"AIG insurance logo\" class=\"wp-image-26362\" style=\"width:auto;height:33px\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"66\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/axa.webp\" alt=\"Axa insurance logo\" class=\"wp-image-6226\" style=\"width:33px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"73\" height=\"33\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/Churchill_Logo_Colour.png\" alt=\"Churchill insurance logo\" class=\"wp-image-34276\" style=\"width:73px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"119\" height=\"83\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/Asset-2-1.png\" alt=\"Covea insurance logo\" class=\"wp-image-38892\" style=\"width:57px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"67\" height=\"33\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/06\/hiscox.webp\" alt=\"Hiscox insurance logo\" class=\"wp-image-19204\" style=\"width:65px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"98\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/zurich.webp\" alt=\"Zurich insurance logo\" class=\"wp-image-10327\" style=\"width:49px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/zurich.webp 98w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/zurich.webp?resize=96,66 96w\" sizes=\"auto, (max-width: 98px) 100vw, 98px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-7ce07128 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"69\" height=\"105\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/03\/Rating_33x50_150_92f8c1.png\" alt=\"Thumbs up emoji\" class=\"wp-image-34299\" style=\"width:33px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-f1189ed3 wp-block-group-is-layout-flex\">\n<p class=\"has-azure-600-color has-text-color has-link-color wp-elements-6f58445ff9241e0ffe20be82ffeb3712 wp-block-paragraph\" style=\"margin-bottom:0;line-height:1.7\"><strong>Rated 4.5\/5<\/strong><\/p>\n\n\n\n<p class=\"has-yellow-400-color has-text-color has-link-color has-xxs-font-size wp-elements-50340db96b63934a24afd89a65e92cd7 wp-block-paragraph\" style=\"padding-bottom:var(--wp--preset--spacing--10)\"><svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg><\/p>\n<\/div>\n\n\n\n<p class=\"has-azure-500-color has-text-color has-link-color wp-elements-361daf516b3dd5bf0bd7f5d885ccc85f wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.7\">Based on&nbsp;40k&nbsp;reviews<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-7ce07128 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"69\" height=\"105\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/03\/Claims_33x50_150_8c1442.png\" alt=\"24 hour clock emoji\" class=\"wp-image-34300\" style=\"width:33px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-f1189ed3 wp-block-group-is-layout-flex\">\n<p class=\"has-azure-600-color has-text-color has-link-color wp-elements-19421ae9553e0d28e65ad157e6bc0bac wp-block-paragraph\" style=\"margin-bottom:0;line-height:1.7\"><strong>Claims paid in 24 hours<\/strong><mark class=\"has-inline-color has-yellow-400-color\"><\/mark><\/p>\n\n\n\n<p class=\"has-yellow-400-color has-text-color has-link-color has-xxs-font-size wp-elements-c1ca888616921a368ecc273fe13fad71 wp-block-paragraph\"><\/p>\n<\/div>\n\n\n\n<p class=\"has-azure-500-color has-text-color has-link-color wp-elements-d1190afa2e0a7bfbd4846d98d6c6a62f wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.7\">For over 95% of settled claims<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"sticky-navigation-block alignwide wp-block-simply-business-sticky-navigation\">\n\t<div class=\"site-container sticky-navigation-block__container\">\n\t\t<div class=\"sticky-navigation-block__title\">\n\t\t\t<p>What&#039;s on this page<\/p>\n\t\t<\/div>\n\t\t<ul class=\"sticky-navigation-block__list\" tabindex=\"0\">\n\t\t\t\t\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#why-is-insurance-important\">Why is insurance important?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#what-does-it-cover\">What does it cover?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#how-much-does-it-cost\">How much does it cost?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#how-do-claims-work\">How do claims work?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#faqs\">FAQs<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#helpful-articles\">Helpful articles<\/a>\n<\/li>\n\n\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"why-is-insurance-important\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"whydoyouneedbuildersinsurance\">Why do you need stonemason insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Stonemasons face risks on a daily basis, such as tools being stolen or employees getting injured. That&#8217;s why stonemason insurance you can help protect your business against the specific challenges you face.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\"><strong>stonemason insurance online<\/strong>, from quote to claim<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>peace of mind<\/strong>, letting you <strong>focus on your business<\/strong>, not the what-ifs<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>UK-based claims team<\/strong>, award-winning and available 24\/7<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"what-does-it-cover\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">What does stonemason insurance cover?<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"carousel wp-block-simply-business-carousel\">\n\t<div aria-label=\"\" class=\"splide splide--primary\">\n\t\t<div class=\"splide__track\">\n\t\t\t<ul class=\"splide__list wp-block-simply-business-carousel__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/public-liability.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tPublic liability insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case your business and products cause an injury or property damage.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/employers-liability.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tEmployers\u2019 liability insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case anyone gets ill or injured while working for your stonemasonry business.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/tools.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tContents insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case something happens to your fixtures, fittings, or operational equipment.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/landlord-buildings.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tStock insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case something happens to your products and consumables.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/tools.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tTool insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case your tools are lost, stolen or damaged.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/tools.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tOwn plant insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case plant machinery, like excavators, you own is lost, stolen, or damaged.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/tools.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tHired-in plant insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case plant machinery, like excavators, you&#8217;ve hired in is lost, stolen, or damaged.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/landlord-buildings.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tContract works insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case your building work in progress is damaged by something like a fire, flood or vandalism.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/professional-indemnity.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tBusiness interruption insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case something is stolen or damaged and you lose income.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/loss-of-rent.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tBusiness legal insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case you\u2019re hit with legal expenses connected to your business.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/personal-accident.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tPersonal accident insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case anyone you\u2019ve covered is accidentally injured, at work or away from work.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t<div class=\"splide__arrows\">\n\t\t\t<button class=\"splide__arrow splide__arrow--prev\">\n\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M7 3 2 8l5 5m6.5-5h-10\" \/><\/svg>\n\t\t\t<\/button>\n\t\t\t<button class=\"splide__arrow splide__arrow--next\">\n\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\" \/><\/svg>\n\t\t\t<\/button>\n\t\t<\/div>\n    <\/div>\n<\/div>\n<div class=\"splide splide--secondary wp-block-simply-business-carousel__content-secondary\">\n\t<div class=\"splide__track\">\n\t\t<ul class=\"splide__list wp-block-simply-business-carousel__content-list\">\n\t\t\t\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"public-liability-insurancetab-0\">\n\t\n\n<h3 class=\"wp-block-heading\">Public liability insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case your business and products cause an injury or property damage.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">What\u2019s typically covered by public liability insurance?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Claims against your business for: <\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">damage to someone else\u2019s property while you\u2019re working, or because of your work<\/li>\n\n\n\n<li class=\"wp-block-list-item\">injury to someone as a result of your work<\/li>\n\n\n\n<li class=\"wp-block-list-item\">accidental injuries caused by your employees at work <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">you\u2019re with a client and you accidentally spill coffee onto their designer handbag, causing a permanent stain<\/li>\n\n\n\n<li class=\"wp-block-list-item\">your client trips over your laptop charger cable while you\u2019re setting up for an appointment, breaking their wrist<\/li>\n\n\n\n<li class=\"wp-block-list-item\">your employee damages a neighbouring business\u2019s property while bringing equipment into your premises<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>**If you do employ anyone, you\u2019re usually required by law to have employers\u2019 liability insurance too.**<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a target=\"_self\" href=\"\/business-insurance\/public-liability-insurance\/\" rel=\"noopener\">public liability insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"employers-liability-insurancetab-1\">\n\t\n\n<h3 class=\"wp-block-heading\">Employers\u2019 liability insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case anyone gets ill or injured while working for your stonemasonry business.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">What\u2019s typically covered by employers\u2019 liability insurance?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Claims against your business for: <\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">injuries to staff (including casual labourers and contractors) that are caused as a result of your business<\/li>\n\n\n\n<li class=\"wp-block-list-item\">illness suffered by an employee (including temps and casual workers) caused by working for you<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">*<strong>*<\/strong><a target=\"_self\" href=\"\/business-insurance\/employers-liability-insurance\/\" rel=\"noopener\"><strong>Employers\u2019 liability insurance<\/strong><\/a><strong> is required by law if you have people working for you. Without it, you could be fined up to \u00a32,500 a day for each employee.**<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">your office manager breaks their finger while trying to close a faulty window at your business premises<\/li>\n\n\n\n<li class=\"wp-block-list-item\">your receptionist trips over a cable running across the floor of your office, breaking their ankle<\/li>\n\n\n\n<li class=\"wp-block-list-item\">a temp worker scratches their arm on one of your tools, and the injury becomes infected<\/li>\n<\/ul>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"contents-insurancetab-2\">\n\t\n\n<h3 class=\"wp-block-heading\">Contents insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case something happens to your fixtures, fittings, or operational equipment.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">What\u2019s typically covered by business equipment insurance?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Claims against your business for: <\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">damage and destruction caused by flood, fire, vandalism, or theft<\/li>\n\n\n\n<li class=\"wp-block-list-item\"> cover for your contents and the equipment needed to run your business<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">a flood spreads to your office floor and means you need to replace several desk chairs<\/li>\n\n\n\n<li class=\"wp-block-list-item\">your photocopier and fax machine are badly damaged during a break-in<\/li>\n\n\n\n<li class=\"wp-block-list-item\">four business smartphones are stolen from your premises<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a target=\"_self\" href=\"\/business-insurance\/business-equipment-insurance\/\" rel=\"noopener\">business equipment insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"stock-insurancetab-3\">\n\t\n\n<h3 class=\"wp-block-heading\">Stock insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case something happens to your products and consumables.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatstypicallycoveredbystockinsurance\">What\u2019s typically covered by stock insurance?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Claims against your business for:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">loss, damage or theft of essential stock<\/li>\n\n\n\n<li class=\"wp-block-list-item\">destruction of stock caused by fire or flood<\/li>\n\n\n\n<li class=\"wp-block-list-item\">the cost of replacing items that you\u2019re going to sell<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">a fire in your shop destroys key stock<\/li>\n\n\n\n<li class=\"wp-block-list-item\">your stockroom gets flooded by a leaking pipe <\/li>\n\n\n\n<li class=\"wp-block-list-item\">someone breaks into your shop, stealing stock and damaging stock they leave behind<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a target=\"_self\" href=\"\/business-insurance\/stock-insurance\/\" rel=\"noopener\">stock insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"tool-insurancetab-4\">\n\t\n\n<h3 class=\"wp-block-heading\">Tool insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case your tools are lost, stolen or damaged.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">What\u2019s typically covered by tool insurance?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Claims against your business for:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">damage to the tools you use for work<\/li>\n\n\n\n<li class=\"wp-block-list-item\">loss of your business tools or specialist equipment<\/li>\n\n\n\n<li class=\"wp-block-list-item\">theft of your stonemasonry tools and equipment<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">your work laptop is damaged accidentally and it stops working<\/li>\n\n\n\n<li class=\"wp-block-list-item\">you lose your work phone while you&#8217;re out and about <\/li>\n\n\n\n<li class=\"wp-block-list-item\">someone steals your tools from your locked van<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a target=\"_self\" href=\"\/business-insurance\/tool-insurance\/\/\" rel=\"noopener\">tool insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"own-plant-insurancetab-5\">\n\t\n\n<h3 class=\"wp-block-heading\">Own plant insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case plant machinery, like excavators, you own is lost, stolen, or damaged.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">What\u2019s typically covered by own plant insurance?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Claims against your business for:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">damaging someone else\u2019s property while working on a development site, or afterwards as a result of your work<\/li>\n\n\n\n<li class=\"wp-block-list-item\">damage or destruction caused by vandalism<\/li>\n\n\n\n<li class=\"wp-block-list-item\">damage or loss to your plant machinery, like a digger<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">your forklift damages a van parked nearby, while you\u2019re manoeuvring on site<\/li>\n\n\n\n<li class=\"wp-block-list-item\">you\u2019re building an extension for a customer and someone breaks into your works site, vandalising the premises and causing substantial damage<\/li>\n\n\n\n<li class=\"wp-block-list-item\">you\u2019re parked up outside a service station and thieves steal a generator from your trailer <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a target=\"_self\" href=\"\/business-insurance\/hired-in-plant-insurance\/\" rel=\"noopener\">plant machinery insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"hired-in-plant-insurancetab-6\">\n\t\n\n<h3 class=\"wp-block-heading\">Hired-in plant insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case plant machinery, like excavators, you&#8217;ve hired in is lost, stolen, or damaged.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">What\u2019s typically covered by hired-in plant insurance?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Claims against your business for:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">expensive costs and charges, if hired equipment gets damaged, lost, or stolen<\/li>\n\n\n\n<li class=\"wp-block-list-item\">equipment that\u2019s on-site or in transit<\/li>\n\n\n\n<li class=\"wp-block-list-item\">causing injury or property damage while you\u2019re working, or afterwards following your work<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">thieves steal a generator from your trailer while you\u2019re taking a break at a service station<\/li>\n\n\n\n<li class=\"wp-block-list-item\">you accidentally drive a digger through someone\u2019s fence while working on site<\/li>\n\n\n\n<li class=\"wp-block-list-item\">a hired cement mixer and generator are made unusable following a flood<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a target=\"_self\" href=\"\/business-insurance\/hired-in-plant-insurance\/\" rel=\"noopener\">plant machinery insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"contract-works-insurancetab-7\">\n\t\n\n<h3 class=\"wp-block-heading\">Contract works insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case your building work in progress is damaged by something like a fire, flood or vandalism.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">What\u2019s typically covered by contract works insurance?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Claims against your business for:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">repair costs for work that&#8217;s been damaged or destroyed while on the job<\/li>\n\n\n\n<li class=\"wp-block-list-item\">labour, materials and tools that&#8217;ll get your work back to the stage it was in before the damage<\/li>\n\n\n\n<li class=\"wp-block-list-item\">damage caused by fires, floods, storms, vandalism, or theft<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">a storm causes damage to your place of work, setting back the project<\/li>\n\n\n\n<li class=\"wp-block-list-item\">a fire destroys your tools that you left at work<\/li>\n\n\n\n<li class=\"wp-block-list-item\">your work is damaged after a break-in, meaning you&#8217;ll have to start from scratch<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a target=\"_self\" href=\"\/business-insurance\/contract-works-insurance\/\" rel=\"noopener\">contract works insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"business-interruption-insurancetab-8\">\n\t\n\n<h3 class=\"wp-block-heading\">Business interruption insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case something is stolen or damaged and you lose income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What\u2019s typically covered by business interruption insurance?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">you can\u2019t trade because of stock, contents, or building damage<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">your inventory is damaged and you lose income because you\u2019re unable to sell<\/li>\n\n\n\n<li class=\"wp-block-list-item\">your work laptop is stolen or damaged and you can\u2019t run your business<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a href=\"\/business-insurance\/business-interruption-insurance\/\" data-type=\"page\" data-id=\"498\">business interruption insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"business-legal-insurancetab-9\">\n\t\n\n<h3 class=\"wp-block-heading\">Business legal insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case you\u2019re hit with legal expenses connected to your business.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">What\u2019s typically covered by business legal insurance?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Claims against your business for:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-\"><\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">costs and expenses for legal representation to recover debts or unpaid invoices<\/li>\n\n\n\n<li class=\"wp-block-list-item\">costs and expenses following identity theft<\/li>\n\n\n\n<li class=\"wp-block-list-item\">tax protection if there\u2019s an investigation into your business<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">one of your clients is unhappy with your work and believes you haven\u2019t met the contractual requirements \u2013 as a result they\u2019re refusing to pay their outstanding invoice <\/li>\n\n\n\n<li class=\"wp-block-list-item\">your CEO\u2019s contact details are used by a fraudster to set up a new line of credit with a business bank<\/li>\n\n\n\n<li class=\"wp-block-list-item\">HMRC is investigating your recent tax return as they noticed a fluctuation in your business income <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a target=\"_self\" href=\"\/business-insurance\/business-legal-protection-insurance\/\" rel=\"noopener\">business legal insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"personal-accident-insurancetab-10\">\n\t\n\n<h3 class=\"wp-block-heading\">Personal accident insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case anyone you\u2019ve covered is accidentally injured, at work or away from work.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">What\u2019s typically covered by personal accident insurance?<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">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<\/li>\n\n\n\n<li class=\"wp-block-list-item\">virtual Medical Care service with unlimited 24\/7 access to medical advice, consultations, referrals and prescriptions<\/li>\n\n\n\n<li class=\"wp-block-list-item\">24\/7 access to myStrength emotional health support app\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>You can buy this cover for:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">yourself<\/li>\n\n\n\n<li class=\"wp-block-list-item\">your employees<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">imagine one of your employees breaks their leg in an accident and is out of work for six weeks. Personal accident insurance would provide \u00a3300 for the broken leg diagnosis. After the employee&#8217;s second week off, you&#8217;d receive four weekly payments to assist with costs during their absence. You could use the money as you wish \u2013 whether for loss of earnings, hiring a temporary replacement, or compensating the injured employee.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What&#8217;s not covered?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">issues caused by sickness, illness, or disease<\/li>\n\n\n\n<li class=\"wp-block-list-item\">conditions that develop over time without a direct connection to an accident<\/li>\n\n\n\n<li class=\"wp-block-list-item\">mental illness, even if triggered by an accident<\/li>\n\n\n\n<li class=\"wp-block-list-item\">self-inflicted injuries<\/li>\n\n\n\n<li class=\"wp-block-list-item\">accidents that occur under the influence of drugs or misuse of medication<\/li>\n\n\n\n<li class=\"wp-block-list-item\">deliberate exposure to danger, except when attempting to save a life<\/li>\n\n\n\n<li class=\"wp-block-list-item\">injuries caused by taking part in a professional or semi-professional sport<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a target=\"_self\" href=\"\/business-insurance\/personal-accident-insurance\/\" rel=\"noopener\">personal accident insurance<\/a><\/p>\n\n<\/li>\n\n\t\t<\/ul>\n\t<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-84122ba7d1851f60be7f1088ff30751e has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained wp-block-block\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em>This content has been created for general information purposes. Make sure you have the right level of <a href=\"\/business-insurance\/\">business insurance<\/a> by checking your policy documentation for details. <a href=\"\/terms-conditions\/\">Read our full Terms and Conditions<\/a><\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"how-much-does-it-cost\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"howmuchdoesbuildersinsurancecost\">How much does stonemason insurance cost?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Find out how much you\u2019ll pay by comparing prices from a range of <a target=\"_self\" href=\"\/business-insurance\/insurers\/\" rel=\"noopener\">trusted insurers<\/a>. You choose what goes into your policy, so you only pay for what you need.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group cta-box has-azure-300-background-color has-background is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-cb46ffcb wp-block-group-is-layout-flex\" style=\"border-radius:8px\">\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>{{PRICE MESSAGING}}<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-medium-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/business\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color has-xxs-font-size wp-elements-90c8bcdb05d6f36b866ba0888c76e9e0 is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--10);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-azure-800-color has-text-color has-link-color has-xxs-font-size wp-elements-6a7819a8be72bc49312bd8de60cec980 wp-block-paragraph\" style=\"margin-right:var(--wp--preset--spacing--20);margin-left:var(--wp--preset--spacing--20)\"><em>{{PRICING CTA DISCLAIMER}}<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"how-it-works\">\n<div class=\"wp-block-group alignwide list-table has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained wp-block-block\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<h2 class=\"wp-block-heading\" id=\"h-how-it-works\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">How it works<\/h2>\n\n\n\n<div class=\"wp-block-group list-table__stepper has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--70)\">\n<div class=\"wp-block-group list-table__step has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-pick-what-goes-into-your-policy\" style=\"margin-top:0;margin-bottom:0\">Pick what goes into your policy<\/h3>\n\n\n\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-543e61b7840f6aacb7765e2c5f297d36 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">Only pay for what you need<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group list-table__step has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-get-prices-from-a-range-of-insurers\" style=\"margin-top:0;margin-bottom:0\">Get prices from a range of insurers<\/h3>\n\n\n\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-353915448579f5843ccd3d48a6308003 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">Choose the best fit for you<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group list-table__step has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-buy-online-in-minutes\" style=\"margin-top:0;margin-bottom:0\">Buy online in minutes<\/h3>\n\n\n\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-e5970816c7921913b7c8ba5457a2eeb3 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">Get your documents the same day<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size has-medium-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center list-table__table is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns list-table__table-column-head is-layout-flex wp-container-core-columns-is-layout-b72f7a82 wp-block-columns-is-layout-flex has-4-columns\" style=\"border-bottom-color:var(--wp--preset--color--dark-800);border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"390\" height=\"108\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/sme-manifesto-SB-logo.png?w=390\" alt=\"\" class=\"wp-image-26483\" style=\"width:90px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/sme-manifesto-SB-logo.png 390w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/sme-manifesto-SB-logo.png?resize=150,42 150w\" sizes=\"auto, (max-width: 390px) 100vw, 390px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.3\">Direct to<br>insurer<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.3\">Highstreet<br>broker<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns list-table__table-column is-layout-flex wp-container-core-columns-is-layout-a1f62a3c wp-block-columns-is-layout-flex has-4-columns\" style=\"border-bottom-color:var(--wp--preset--color--lead-50);border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-c155f70b7a56451613a4a356b3b93530 wp-block-paragraph\" style=\"line-height:1.3\">Compare policies from a range of trusted insurers<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-purple.svg\" alt=\"Yes\" class=\"wp-image-1254\" style=\"object-fit:cover;width:30px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/minus-grey.svg\" alt=\"No\" class=\"wp-image-1252\" style=\"width:30px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-grey.svg\" alt=\"Yes\" class=\"wp-image-1255\" style=\"object-fit:cover;width:30px;height:auto\"\/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns list-table__table-column is-layout-flex wp-container-core-columns-is-layout-a1f62a3c wp-block-columns-is-layout-flex has-4-columns\" style=\"border-bottom-color:var(--wp--preset--color--lead-50);border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-420821db296939de244288cb0da6161e wp-block-paragraph\" style=\"line-height:1.3\">Buy online or over the phone in minutes<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-purple.svg\" alt=\"Yes\" class=\"wp-image-1254\" style=\"object-fit:cover;width:30px;height:30px\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-grey.svg\" alt=\"Yes\" class=\"wp-image-1255\" style=\"object-fit:cover;width:30px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/minus-grey.svg\" alt=\"No\" class=\"wp-image-1252\" style=\"width:30px\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-89844a45 wp-block-group-is-layout-constrained wp-block-block\" style=\"padding-top:42px;padding-right:var(--wp--preset--spacing--30);padding-bottom:42px;padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-talk-to-an-expert\">Talk to an expert<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"margin-right:var(--wp--preset--spacing--100);margin-left:var(--wp--preset--spacing--10)\">Our team of UK-based insurance experts are here to help,&nbsp;Mon 09.00am &#8211; 05.30pm, Tues 09.00am &#8211; 05.30pm, Weds 09.00am &#8211; 05.30pm, Thurs 09.30am &#8211; 05.30pm, Fri 09.00am &#8211; 05.30pm, Sat 09.00am &#8211; 02.00pm<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/customer-support.png\" alt=\"\" class=\"wp-image-14026\" style=\"width:97px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/customer-support.png 128w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/customer-support.png?resize=96,96 96w\" sizes=\"auto, (max-width: 128px) 100vw, 128px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:90%\">\n<p class=\"wp-block-paragraph\" style=\"padding-top:0;padding-bottom:0\"><span style=\"color: var(--wp--preset--color--azure-800);font-family: var(--wp--preset--font-family--museo-sans);font-size: revert;font-weight: var(--wp--custom--font--weight--500)\">Call our team<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"padding-top:0;padding-bottom:0\"><a href=\"tel:+443330438527\"><strong>0333 043 8527<\/strong><\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-online\"><a href=\"https:\/\/www.simplybusiness.co.uk\/support\/\">Online<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Contact us on our website whenever suits you<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-phone\"><a href=\"tel:+443330438527\">Phone<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Call our insurance experts during office hours (calls are charged at a local rate)<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-faqs\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/\">FAQs<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Find answers to common insurance questions<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"how-do-claims-work\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"howdoclaimswork\">How do insurance claims work for stonemasonry businesses?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 \u2013 and with a minimum of fuss. That\u2019s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or <a href=\"\/insurance-claims\/\" data-type=\"page\" data-id=\"467\">claim online<\/a>. They\u2019ll do their best to be fair and supportive.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group pricing-cta has-azure-200-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--30)\">\n<h3 class=\"wp-block-heading has-text-align-center has-azure-700-color has-text-color has-large-font-size\" id=\"pricesstartfrom556permonth\" style=\"padding-top:0;padding-bottom:0\"><strong>{{TRADE CLAIM MESSAGING}}<\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-7a371b99333eebf410dc973851e4fb81 has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em>{{TRADE CLAIM DISCLAIMER}}<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-group alignfull has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--120);padding-bottom:var(--wp--preset--spacing--120)\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-neutral-700-color has-text-color has-link-color has-xx-large-font-size wp-elements-e14f76137fe10a2b08dbfb960dce5899 wp-block-paragraph\" style=\"padding-bottom:var(--wp--preset--spacing--30);letter-spacing:0px;line-height:1.2\"><strong>Chosen by nearly one million small business and landlord customers<\/strong><\/p>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-5fb67d827c00dbcd7402c398052ea5ae wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">With insurance for over 1,500 trades, and 9\/10 customers rating us \u2018good\u2019 or \u2018excellent\u2019 on Feefo, you can get tailored quotes in 7 minutes. Compare quotes from leading insurers, buy, and manage your policy \u2013 all in one place.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-2256e7f1 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-605425aa wp-block-group-is-layout-flex\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2.5rem; height: 2.5rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"33\" height=\"32\" fill=\"none\" viewBox=\"0 0 33 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M24.622 29.829H8.812l-2.055-8.93a1.41 1.41 0 0 1 .22-1.133 1.19 1.19 0 0 1 .96-.513h17.559c.388.008.748.2.96.513.232.332.312.742.22 1.134z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M1.723 29.829H31.71\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M16.716 25.985c1.105 0 2-.86 2-1.922s-.895-1.922-2-1.922-1.999.86-1.999 1.922.895 1.922 2 1.922Zm.001-14.415c3.036 0 5.498-2.366 5.498-5.285S19.753 1 16.717 1s-5.498 2.366-5.498 5.285 2.462 5.285 5.498 5.285\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M23.38 16.375c-1.688-1.835-4.115-2.886-6.663-2.886-2.55 0-4.976 1.05-6.664 2.886\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:0;padding-left:0\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-27cc22f094adc40f27a74d011fdbe779\" id=\"h-compare-and-buy-in-minutes\" style=\"margin-bottom:0\">Compare and buy in minutes<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-1678a01e7803e76483b7200495ea0631 wp-block-paragraph\" style=\"margin-top:0\">Documents arrive today<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-6969d2fc wp-block-group-is-layout-flex\" style=\"padding-left:var(--wp--preset--spacing--60)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2rem; height: 2rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"29\" fill=\"none\" viewBox=\"0 0 27 29\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m7.365 13.579 2.753 3.916a1.18 1.18 0 0 0 1.918.058l8.811-11.169\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M3.164 1.99c-.93 0-1.685.756-1.685 1.688v10.126c0 5.415 8.128 11.44 10.89 13.23.552.36 1.263.36 1.814 0 2.763-1.79 10.89-7.815 10.89-13.23V3.678a1.69 1.69 0 0 0-1.685-1.688z\" clip-rule=\"evenodd\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:0;padding-left:0\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-118c8280014805ccb4ac91f06f5b1338\" id=\"h-rated-uk-sb-feefo-score\" style=\"margin-bottom:0\">Rated 4.5\/5<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-b38a3849b2977c4333453f8104a5603c wp-block-paragraph\" style=\"margin-top:0\">Based on 40k <a href=\"https:\/\/www.feefo.com\/en-GB\/reviews\/simply-business\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" rel=\"noopener noreferrer\" target=\"_blank\">Feefo<\/a><a href=\"https:\/\/www.feefo.com\/en-GB\/reviews\/simply-business\" rel=\"noopener noreferrer\" target=\"_blank\"> reviews<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-horizontal is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-e5fbeb3a wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-302f6e57 wp-block-group-is-layout-flex\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--60)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2rem; height: 2rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"29\" height=\"32\" fill=\"none\" viewBox=\"0 0 29 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M16.142 20.699a1.995 1.995 0 0 1-2.884 0l-5.367-5.6a4.04 4.04 0 0 1-.755-4.656v0a4.025 4.025 0 0 1 6.452-1.048l1.112 1.107 1.112-1.113a4.025 4.025 0 0 1 6.452 1.048v0a4.04 4.04 0 0 1-.755 4.655z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M1.718 5.232v10.151c0 4.964 2.17 11.733 11.548 15.35a4 4 0 0 0 2.868 0c9.375-3.61 11.547-10.428 11.547-15.35V5.232a1.98 1.98 0 0 0-1.155-1.816A28.9 28.9 0 0 0 14.7 1 28.9 28.9 0 0 0 2.874 3.416a1.98 1.98 0 0 0-1.156 1.816\" clip-rule=\"evenodd\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-11298f433c5c8a656f0286dbaea945fd\" id=\"h-here-to-help\" style=\"margin-bottom:0\">Here to help<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-e907ebeab2058a1716e249ffa2128461 wp-block-paragraph\" style=\"margin-top:0\">Help from UK-based experts<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-eba800c7 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2rem; height: 2rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"32\" fill=\"none\" viewBox=\"0 0 35 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M30.801 1h-26.1a1.07 1.07 0 0 0-1.046.839l-1.953 8.804a3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.209 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214l-1.955-8.804A1.07 1.07 0 0 0 30.8 1Z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M11.331 31V20.286m0 0h1.07a3.21 3.21 0 0 1 3.21 3.214 3.21 3.21 0 0 1-3.21 3.214h-1.07\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M4.912 20.286a2.14 2.14 0 0 0-2.14 2.142v6.429a2.141 2.141 0 1 0 4.28 0v-6.429a2.14 2.14 0 0 0-2.14-2.142\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M24.17 31h-2.14c-1.181 0-2.14-.96-2.14-2.143v-6.429c0-1.183.959-2.142 2.14-2.142h2.14m-4.28 6.428h4.28M28.45 31V20.286L32.73 31V20.286\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:0;padding-left:0\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-6dbac112d39cf9d89ecc0a895b22fac1\" id=\"h-24-7-claims\" style=\"margin-bottom:0\">24\/7 claims<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-9787d1adb445f0193cb88f694938936c wp-block-paragraph\" style=\"margin-top:0\">Make a claim any time<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"faqs\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"builderinsurancefaqs\">Stonemason insurance FAQs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you\u2019re new to buying business insurance or you\u2019ve been trading for a while, here are the answers to some commonly asked questions about stonemason insurance. You can also check out our <a href=\"\/business-insurance\/faq\/\" target=\"_self\" rel=\"noopener\" data-type=\"page\" data-id=\"572\">business insurance FAQs<\/a>.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-2&quot;,&quot;contentId&quot;:&quot;tenup-accordion-2-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-2-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-2-content\" aria-expanded=\"false\" id=\"tenup-accordion-2-header\" class=\"tenup-uikit-container-1 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tCan I add cover for a different trade or profession mid-way through my policy?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-2-header\" id=\"tenup-accordion-2-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">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\u2019s important to give us a call on <strong>0333 0146 683<\/strong> to update your policy before you take on this new work. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you don\u2019t 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.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-4&quot;,&quot;contentId&quot;:&quot;tenup-accordion-4-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-4-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-4-content\" aria-expanded=\"false\" id=\"tenup-accordion-4-header\" class=\"tenup-uikit-container-3 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tCan I buy business insurance if I\u2019ve had any CCJs or IVAs?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-4-header\" id=\"tenup-accordion-4-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Each insurer looks at CCJs and IVAs differently \u2013 some apply stricter rules than others, but having a CCJ or IVA doesn\u2019t necessarily mean you won\u2019t be able to buy insurance.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-6&quot;,&quot;contentId&quot;:&quot;tenup-accordion-6-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-6-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-6-content\" aria-expanded=\"false\" id=\"tenup-accordion-6-header\" class=\"tenup-uikit-container-5 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhat\u2019s the difference between paying by Direct Debit and paying in one lump sum?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-6-header\" id=\"tenup-accordion-6-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">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:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">one-off credit or debit card payment<\/li>\n\n\n\n<li class=\"wp-block-list-item\">BACS payment<\/li>\n\n\n\n<li class=\"wp-block-list-item\">Direct Debit<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">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.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-8&quot;,&quot;contentId&quot;:&quot;tenup-accordion-8-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-8-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-8-content\" aria-expanded=\"false\" id=\"tenup-accordion-8-header\" class=\"tenup-uikit-container-7 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tDoes public liability insurance cover my business for the actions of my employees?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-8-header\" id=\"tenup-accordion-8-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">This will depend on whether you have <a href=\"\/business-insurance\/employers-liability-insurance\/\" data-type=\"page\" data-id=\"370\">employers\u2019 liability insurance<\/a> in place. <a href=\"\/business-insurance\/public-liability-insurance\/\" data-type=\"page\" data-id=\"734\">Public liability insurance<\/a> 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\u2019 liability insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>If you employ people, you\u2019re required by law to have employers\u2019 liability insurance.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There\u2019s one exception here. Family businesses that aren\u2019t incorporated as a limited company are not legally required to have employers\u2019 liability insurance. The government defines a \u201cfamily business\u201d 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\u2019 liability insurance, it\u2019s important to know that your public liability insurance wouldn\u2019t cover you against damage or injury caused by your team.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-10&quot;,&quot;contentId&quot;:&quot;tenup-accordion-10-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-10-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-10-content\" aria-expanded=\"false\" id=\"tenup-accordion-10-header\" class=\"tenup-uikit-container-9 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tDo I need cover for other types of work?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-10-header\" id=\"tenup-accordion-10-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Make sure you\u2019re covered for the services you provide:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/\" data-type=\"page\" data-id=\"5152\">Business insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/public-liability-insurance\/\" data-type=\"page\" data-id=\"734\">Public liability insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/employers-liability-insurance\/\" data-type=\"page\" data-id=\"370\">Employers&#8217; liability insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/commercial-insurance\/\" data-type=\"page\" data-id=\"543\">Commercial insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/product-liability-insurance\/\" data-type=\"page\" data-id=\"719\">Product liability insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/personal-accident-insurance\/\" data-type=\"page\" data-id=\"705\">Personal accident insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/business-legal-protection-insurance\/\" data-type=\"page\" data-id=\"499\">Business legal insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\">View all <a href=\"\/business-insurance\/types-of-insurance-covers\/\" data-type=\"page\" data-id=\"552\">business insurance covers<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The types of businesses we insure:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/limited-company-insurance\/\" data-type=\"page\" data-id=\"676\">Limited company insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/self-employed-insurance\/\" data-type=\"page\" data-id=\"380\">Self-employed insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/freelancers-insurance\/\" data-type=\"page\" data-id=\"613\">Freelance insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/consultants-insurance\/\" data-type=\"page\" data-id=\"546\">Consultant insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/contractors-insurance\/\" data-type=\"page\" data-id=\"548\">Contractors insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/sole-trader-insurance\/\" data-type=\"page\" data-id=\"755\">Sole trader insurance<\/a><\/li>\n<\/ul>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-12&quot;,&quot;contentId&quot;:&quot;tenup-accordion-12-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-12-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-12-content\" aria-expanded=\"false\" id=\"tenup-accordion-12-header\" class=\"tenup-uikit-container-11 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhat kind of excess should I expect?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-12-header\" id=\"tenup-accordion-12-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is \u00a3250 and you make a claim worth \u00a31000, your payout will be a maximum of \u00a3750.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-e38ea13205ba8db4d8b3cfc74a6b9239 has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained wp-block-block\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em>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. <a href=\"\/terms-conditions\/\">Read our full Terms and Conditions<\/a><\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group wp-block-group--author-bio has-azure-200-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"margin-top:var(--wp--preset--spacing--80);margin-bottom:var(--wp--preset--spacing--80);padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--80)\">\n<div class=\"wp-block-co-authors-plus-coauthors is-layout-flow wp-block-co-authors-plus-coauthors-is-layout-flow\"><div class=\"wp-block-co-authors-plus-coauthor\"><div class=\"wp-block-group is-reduced-gap is-nowrap is-layout-flex wp-container-core-group-is-layout-0ebbc8f5 wp-block-group-is-layout-flex wp-block-null\" style=\"margin-bottom:var(--wp--preset--spacing--20);padding-right:0;padding-left:0\"><div class=\"wp-block-co-authors-plus-avatar\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Greg-caswell-smith-SB-scaled.jpg?w=38\" width=\"48\" height=\"48\" sizes=\"auto, 48px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Greg-caswell-smith-SB-scaled.jpg?w=19 24w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Greg-caswell-smith-SB-scaled.jpg?w=38 48w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Greg-caswell-smith-SB-scaled.jpg?w=77 96w\" style=\"border-radius:100px;\"\/><\/div><div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><p class=\"has-azure-800-color has-text-color has-link-color has-xxs-font-size wp-elements-de426fab6e76d6ad2546f65b5fa7f93b wp-block-paragraph\" style=\"margin-top:var(--wp--preset--spacing--10);margin-bottom:0;font-style:normal;font-weight:700;line-height:1.2\">Reviewed by<\/p><p style=\"font-style:normal;font-weight:700;line-height:1.2;\" class=\"wp-elements-5ae0374f373cf4f908ba1fe736fa2376 wp-block-co-authors-plus-name has-text-color has-slate-blue-color has-medium-font-size\">Greg Caswell-Smith<\/p><\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"helpful-articles\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group alignwide post-list-picker has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<h3 class=\"wp-block-heading has-text-align-center\">Helpful articles for stonemasonry businesses<\/h3>\n\n\n\n<div class=\"wp-block-columns alignfull is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-4-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-1239 knowledge type-knowledge status-publish has-post-thumbnail hentry category-business-structure category-trades is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"543\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/construction-apprenticeships.jpg?w=815\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Instructor with apprentice on construction site working with tablet\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/construction-apprenticeships.jpg 815w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/construction-apprenticeships.jpg?resize=800,533 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/construction-apprenticeships.jpg?resize=768,512 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/construction-apprenticeships.jpg?resize=150,100 150w\" sizes=\"auto, (max-width: 815px) 100vw, 815px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/trades\/construction-apprenticeships-guide-for-small-businesses\/\" target=\"_self\" >Construction apprenticeships: a small business guide<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-1549 knowledge type-knowledge status-publish has-post-thumbnail hentry category-business-news category-trades is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/top-earning-trades-uk.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Tradesman checking the level of a wall\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/top-earning-trades-uk.jpg 5760w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/top-earning-trades-uk.jpg?resize=800,533 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/top-earning-trades-uk.jpg?resize=768,512 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/top-earning-trades-uk.jpg?resize=1024,683 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/top-earning-trades-uk.jpg?resize=1536,1024 1536w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/top-earning-trades-uk.jpg?resize=2048,1365 2048w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/top-earning-trades-uk.jpg?resize=150,100 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/trades\/top-earning-trades\/\" target=\"_self\" >Which trade earns the most \u2013 and where?<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-848 knowledge type-knowledge status-publish has-post-thumbnail hentry category-marketing category-business-news category-starting-out category-trades is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"543\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2018\/04\/how-to-become-a-bricklayer-a-step-by-step-guide.jpg?w=815\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A bricklayer laying bricks\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2018\/04\/how-to-become-a-bricklayer-a-step-by-step-guide.jpg 815w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2018\/04\/how-to-become-a-bricklayer-a-step-by-step-guide.jpg?resize=800,533 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2018\/04\/how-to-become-a-bricklayer-a-step-by-step-guide.jpg?resize=768,512 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2018\/04\/how-to-become-a-bricklayer-a-step-by-step-guide.jpg?resize=150,100 150w\" sizes=\"auto, (max-width: 815px) 100vw, 815px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/starting-out\/how-to-become-a-bricklayer-a-step-by-step-guide\/\" target=\"_self\" >A simple guide to becoming a bricklayer in the UK<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-1298 knowledge type-knowledge status-publish has-post-thumbnail hentry category-business-news category-trades is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"817\" height=\"545\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/new-cscs-app-to-boost-safety-in-construction.jpg?w=817\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Two builders in hardhats with tablet at construction site\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/new-cscs-app-to-boost-safety-in-construction.jpg 817w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/new-cscs-app-to-boost-safety-in-construction.jpg?resize=800,534 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/new-cscs-app-to-boost-safety-in-construction.jpg?resize=768,512 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/new-cscs-app-to-boost-safety-in-construction.jpg?resize=150,100 150w\" sizes=\"auto, (max-width: 817px) 100vw, 817px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/trades\/what-is-a-cscs-card\/\" target=\"_self\" >What is a CSCS card? And does every tradesperson need one?<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div id=\"newsletter-subscribe\" class=\"wp-block-group newsletter-subscribe is-layout-flow wp-block-group-is-layout-flow wp-block-block\" style=\"border-top-color:#cccccc;border-top-width:1px;padding-top:var(--wp--preset--spacing--80);padding-right:0;padding-bottom:var(--wp--preset--spacing--80);padding-left:0\">\n<p class=\"has-text-align-center has-dark-800-color has-text-color has-link-color has-medium-font-size wp-elements-ced002c3d2e03fde51d8880b5da0f3bb wp-block-paragraph\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">A free monthly newsletter with the latest news and tools for small businesses and landlords.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-222c5d1d 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We cover 600 stonemasons like you.<\/p>\n","protected":false},"author":9,"featured_media":1932,"parent":5152,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"sb_hreflang":"","sb_hreflang_url":"","disable_breadcrumbs":false,"sb_breadcrumbs":[{"text":"Business insurance","url":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/"},{"text":"Insurance by industry","url":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/by-industry\/"},{"text":"Construction Business insurance","url":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/by-industry\/tradesmen-and-construction\/"},{"text":"Stonemason insurance","url":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/stonemason-insurance\/"}],"sb_faq_schema":"","sb_phone":"","sb_header_url_text":"","sb_secondary_logo":0,"sb_secondary_logo_url":"","sb_show_primary_cta":true,"sb_primary_cta_text":"","sb_primary_cta_url":"","sb_show_secondary_cta":true,"sb_secondary_cta_text":"","sb_secondary_cta_url":"","sb_show_contact_cta":true,"sb_contact_cta_id":"","sb_primary_cta_id":"","sb_secondary_cta_id":"","sb_no_sticky_header":false,"sb_show_last_updated_date":"","sb_enable_replacement_text":false,"sb_replacement_h1":"","_sb_hreflang_stale":false,"footnotes":""},"hidden-category":[],"import-page-type":[],"coauthors":[458],"class_list":["post-384","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>{{SEO PAGE TITLE}}<\/title>\n<meta name=\"description\" content=\"{{SEO PAGE DESCRIPTION}}\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/stonemason-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Stonemason Insurance - Simply Business UK\" \/>\n<meta property=\"og:description\" content=\"Stonemason insurance quotes from trusted insurers in 7 minutes. 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But when it comes to your employees causing injury or damage, this protection only activates if you also have employers\u2019 liability insurance.    If you employ people, you\u2019re required by law to have employers\u2019 liability insurance.    There\u2019s one exception here. Family businesses that aren\u2019t incorporated as a limited company are not legally required to have employers\u2019 liability insurance. The government defines a \u201cfamily business\u201d 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\u2019 liability insurance, it\u2019s important to know that your public liability insurance wouldn\u2019t cover you against damage or injury caused by your team."}},{"@type":"Question","name":"Do I need cover for other types of work?","acceptedAnswer":{"@type":"Answer","text":"Make sure you\u2019re covered for the services you provide:     Business insurance    Public liability insurance    Employers' liability insurance    Commercial insurance    Product liability insurance    Personal accident insurance    Business legal insurance    View all business insurance covers     The types of businesses we insure:     Limited company insurance    Self-employed insurance    Freelance insurance    Consultant insurance    Contractors insurance    Sole trader insurance"}},{"@type":"Question","name":"What kind of excess should I expect?","acceptedAnswer":{"@type":"Answer","text":"An excess is an amount you pay towards any claim you make on your insurance. 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