Marble and granite shops face a wide range of risks—from job site accidents and employee injuries to damaged tools or stolen inventory. Having the right insurance coverage in place helps protect your shop, your employees, and your bottom line.
Here’s a breakdown of the essential insurance coverages every stone fabrication and installation business should consider:
GENERAL LIABILITY INSURANCE
Covers bodily injury and property damage caused by your business operations. This includes slip-and-fall incidents in your showroom or damage to a customer’s property during installation.
WORKERS’ COMPENSATION INSURANCE
Required in most states, this covers medical expenses and lost wages for employees injured on the job—whether they’re fabricating countertops in the shop or lifting heavy slabs on-site.
COMMERCIAL AUTO INSURANCE
If your team uses trucks, vans, or trailers to transport stone or tools, commercial auto covers accidents, damage, and liability. Personal auto policies do not cover business use.
TOOLS AND EQUIPMENT INSURANCE
Also known as inland marine for contractor’s tools, this coverage protects your grinders, polishers, saws, and other gear from theft, damage, or loss—whether they’re at the shop, on-site, or in transit.
PROFESSIONAL LIABILITY INSURANCE
Also called errors and omissions (E&O), this protects your business from claims of negligence related to design, measurements, or project recommendations that result in financial loss for a customer.
Example: A client claims your incorrect countertop template caused delays and extra costs on their remodeling job. E&O coverage helps cover legal fees and damages.
INVENTORY COVERAGE
Granite, quartz, marble, and other slabs can be incredibly valuable. Inventory insurance protects your raw material stock from risks like fire, vandalism, and theft—whether it’s stored indoors or in outdoor slab yards.
INLAND MARINE INSURANCE
Inland marine coverage protects your rented, borrowed, or newly acquired materials and equipment while in transit or off-site. It’s ideal for marble and granite shops that frequently move expensive materials between job sites, warehouses, and customer locations.
GET A CUSTOM POLICY THAT FITS YOUR SHOP
Every marble and granite business is different—whether you’re focused on fabrication, retail, installation, or all three. At Wise Insurance Agency, we help you build a policy tailored to your operations, your tools, and your team.
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