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Marble and granite. Quarry to site: where your insurance stops. 5 places stone gets damaged, and what to check at each.

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The journey of a block, from the pit to the port: quarry, factory, loading, road, port.

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1. Quarry: machines and people. Machines in the pit need plant and machinery cover. Worker hurt: the owner is liable, even with no fault. Contract labour too, under section 81.

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2. Factory: gang saws and polishing lines. Fire policy covers the premises. Machine breaks down: machinery breakdown cover. Lost business: not in a normal fire policy.

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3. Loading: where most stone breaks. Poor packing by you: never covered. Take photos before the tirpal goes on. Crane loading: check when cover starts.

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4. On the road: the basic policy pays for 7 events only. Overturning and collision: covered. Chipping and handling damage: not covered. Theft and short delivery: not covered. Poor packing by you: not covered. Rain is not one of them either. Check what your own policy says before the load leaves.

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5. Export: CIF gives the smallest sea cover. It pays only for major accidents such as fire, sinking or collision. Theft and most water damage are left out. The sales contract sets the sea cover. Check it.

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Slab arrived broken? Do these 4 things. Take photos before moving anything. Get the damage written on the challan, signed by the driver. Keep the packing for the surveyor. Written notice to the transporter within 180 days of booking.

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Free policy check. Send your policy on WhatsApp, 92514 56334. We tell you where your cover stops. Rakshit Financial Services, Udaipur, since 2004.