Built to Protect Your Metal Fabrication Business
Metal Fabrication Insurance offers more than basic protection—it’s a shield for your operations, employees, tools, and bottom line. With tailored policies, cost-saving coverage packages, and reliable support, your fabrication shop is safeguarded from unexpected risks. Read on to discover how the right insurance can protect every inch of your metalworking business.
What Risks Does Your Policy Cover?
Every metal fabrication business has unique risks. At a minimum, your policy should include:
General Liability: Protects against lawsuits from injury or property damage. Learn more here.
Commercial Property Insurance: Covers your machinery, metal stock, office, and warehouse.
Equipment Breakdown Coverage: Helps pay for repairs or replacements when critical tools fail.
Product Liability: Safeguards you from claims due to faulty or defective fabricated items.
Business Interruption Insurance: Helps cover lost income if operations are temporarily shut down.
If your operation spans CNC machining, welding, or custom fabrication, consider a tailored manufacturer insurance policy built specifically for your industry.
What Risks Does Your Policy Cover?
The specific risks your policy protects against depend on the type of operations you run. However, standard metal fabrication insurance in California typically helps cover:
Equipment damage or breakdown
Fire, smoke, and explosion incidents
Theft of tools, materials, or metal stock
Bodily injury or third-party property damage
Workplace accidents involving grinders, saws, or welders
Business interruption due to covered perils
Legal claims related to defective metalwork
To ensure your business has comprehensive protection, explore options like General Liability, Property Insurance, and Workers’ Compensation. You can also bundle key protections using a cost-efficient Business Owner’s Policy.
Frequently Asked Questions
Will my policy cover subcontracted welders or temporary workers?
Yes, but you’ll need to disclose all non-full-time staff during the quote process to ensure full protection.
Can I insure custom-built equipment used in fabrication?
Absolutely. Most policies can be extended to include coverage for custom or modified tools.
Is insurance mandatory for my fabrication business in California?
While some coverages (like workers’ compensation) are legally required, others like general liability are strongly recommended to avoid costly legal battles.
What if I operate from multiple shop locations?
Multi-location businesses can still be covered under a single policy, depending on the insurer and risk profile.
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Still Have Questions?
If you need guidance on selecting the right metal fabrication insurance or have questions about manufacturer risk assessments, don’t hesitate to contact us. Get a custom quote or speak to an agent today.