Sheet Metal Products Manufacturing Insurance (Class 3066)
Sheet Metal Products Manufacturing Insurance (Class 3066)
Comprehensive Protection for California’s Sheet Metal Manufacturers
From HVAC duct systems and metal roofing panels to custom ventilation units and metal enclosures — sheet metal manufacturing forms the backbone of modern construction, energy efficiency, and industrial design. Whether you fabricate standard components or create custom-engineered products, your operation requires precision, safety, and reliability at every stage.
That’s why Metal Shop Insurance provides specialized Sheet Metal Products Manufacturing Insurance (Class 3066) — designed specifically for manufacturers who cut, form, and assemble metal sheets into finished products. Our goal is to safeguard your people, property, and production line from unexpected disruptions, liabilities, and financial losses.
Sheet Metal Products Manufacturing Insurance (Class 3066)
Comprehensive Protection for California’s Sheet Metal Manufacturers
From HVAC duct systems and metal roofing panels to custom ventilation units and metal enclosures — sheet metal manufacturing forms the backbone of modern construction, energy efficiency, and industrial design. Whether you fabricate standard components or create custom-engineered products, your operation requires precision, safety, and reliability at every stage.
That’s why Metal Shop Insurance provides specialized Sheet Metal Products Manufacturing Insurance (Class 3066) — designed specifically for manufacturers who cut, form, and assemble metal sheets into finished products. Our goal is to safeguard your people, property, and production line from unexpected disruptions, liabilities, and financial losses.
Why Choose Metal Shop Insurance for Your Sheet Metal Business
At Metal Shop Insurance, we don’t sell cookie-cutter policies. We specialize exclusively in metal fabrication and manufacturing industries, meaning our team understands the specific exposures that sheet metal shops face.
Here’s what sets us apart:
Industry-Specific Expertise: We know WCIRB Class 3066 inside and out — no unnecessary coverage, no missed risks.
California Compliance: We ensure your policies meet state insurance requirements for manufacturing operations.
Tailored Packages: Each policy is customized based on your business size, production scale, and equipment value.
Access to Top-Rated Carriers: We partner with A-rated insurance companies that specialize in industrial manufacturing coverage.
Fast Claims and Risk Management: Quick response times and dedicated risk advisors to reduce downtime.
Competitive Premiums: Save more by bundling essential coverages under one plan.
Our mission is simple — to help metal fabricators focus on innovation, not insurance worries.
Why Choose Metal Shop Insurance for Your Sheet Metal Business
At Metal Shop Insurance, we don’t sell cookie-cutter policies. We specialize exclusively in metal fabrication and manufacturing industries, meaning our team understands the specific exposures that sheet metal shops face.
Here’s what sets us apart:
Industry-Specific Expertise: We know WCIRB Class 3066 inside and out — no unnecessary coverage, no missed risks.
California Compliance: We ensure your policies meet state insurance requirements for manufacturing operations.
Tailored Packages: Each policy is customized based on your business size, production scale, and equipment value.
Access to Top-Rated Carriers: We partner with A-rated insurance companies that specialize in industrial manufacturing coverage.
Fast Claims and Risk Management: Quick response times and dedicated risk advisors to reduce downtime.
Competitive Premiums: Save more by bundling essential coverages under one plan.
Our mission is simple — to help metal fabricators focus on innovation, not insurance worries.
Tailored Insurance Coverage for Class 3066 Metal Shops
At Metal Shop Insurance, we build insurance programs that protect every part of your manufacturing process. Below are the key coverages included in our Sheet Metal Products Manufacturing Insurance (Class 3066) package:
General Liability Insurance
Protects your business against third-party claims for property damage or bodily injury. If a client is injured while visiting your facility or if a defective product causes damage, General Liability covers medical costs, legal fees, and settlements.
Workers’ Compensation Insurance
California law requires every employer to carry Workers’ Compensation. It covers employee medical expenses, rehabilitation, and lost wages due to work-related injuries or illnesses. In an environment filled with heavy equipment, sharp edges, and metal dust, this coverage is essential.
Commercial Property Insurance
Your facility houses expensive fabrication equipment, tools, and materials. Property Insurance protects your building, inventory, and machinery from fire, theft, vandalism, and other physical damage. It ensures business continuity even after a major loss.
Equipment Breakdown Insurance
Modern sheet metal manufacturing relies heavily on powered machinery — presses, brakes, laser cutters, and rollers. If any of these break down unexpectedly, repairs can cost thousands, and production may stop. Equipment Breakdown Insurance pays for repair or replacement costs and can also cover lost income during downtime.
Inland Marine Insurance
Your materials and finished products don’t always stay in one place. Inland Marine coverage protects your tools, machinery, and fabricated products while in transit or temporarily stored off-site — such as during delivery or installation.
Product Liability Insurance
Even with strict quality control, defects happen. If a sheet metal duct system fails, causing property damage or injury, Product Liability Insurance covers legal costs, settlements, and reputational risks.
Business Interruption Insurance
When disaster strikes — such as a fire, explosion, or flood — your production may halt. Business Interruption Insurance helps replace lost income and pay ongoing expenses until you’re operational again.
Commercial Auto Insurance
If you use vehicles to deliver sheet metal or pick up raw materials, you need Commercial Auto coverage. It protects your business vehicles against accidents, theft, and liability claims.
Cyber Liability Insurance
Many sheet metal shops rely on CAD designs, automated machinery, and vendor systems. Cyber Liability Insurance protects your digital assets and sensitive data from cyberattacks, ransomware, or system breaches.
Employment Practices Liability Insurance (EPLI)
Your workforce is your biggest asset — but also a potential risk. EPLI covers claims related to wrongful termination, discrimination, or workplace harassment, protecting your business reputation and finances.
Tailored Insurance Coverage for Class 3066 Metal Shops
At Metal Shop Insurance, we build insurance programs that protect every part of your manufacturing process. Below are the key coverages included in our Sheet Metal Products Manufacturing Insurance (Class 3066) package:
General Liability Insurance
Protects your business against third-party claims for property damage or bodily injury. If a client is injured while visiting your facility or if a defective product causes damage, General Liability covers medical costs, legal fees, and settlements.
Workers’ Compensation Insurance
California law requires every employer to carry Workers’ Compensation. It covers employee medical expenses, rehabilitation, and lost wages due to work-related injuries or illnesses. In an environment filled with heavy equipment, sharp edges, and metal dust, this coverage is essential.
Commercial Property Insurance
Your facility houses expensive fabrication equipment, tools, and materials. Property Insurance protects your building, inventory, and machinery from fire, theft, vandalism, and other physical damage. It ensures business continuity even after a major loss.
Equipment Breakdown Insurance
Modern sheet metal manufacturing relies heavily on powered machinery — presses, brakes, laser cutters, and rollers. If any of these break down unexpectedly, repairs can cost thousands, and production may stop. Equipment Breakdown Insurance pays for repair or replacement costs and can also cover lost income during downtime.
Inland Marine Insurance
Your materials and finished products don’t always stay in one place. Inland Marine coverage protects your tools, machinery, and fabricated products while in transit or temporarily stored off-site — such as during delivery or installation.
Product Liability Insurance
Even with strict quality control, defects happen. If a sheet metal duct system fails, causing property damage or injury, Product Liability Insurance covers legal costs, settlements, and reputational risks.
Business Interruption Insurance
When disaster strikes — such as a fire, explosion, or flood — your production may halt. Business Interruption Insurance helps replace lost income and pay ongoing expenses until you’re operational again.
Commercial Auto Insurance
If you use vehicles to deliver sheet metal or pick up raw materials, you need Commercial Auto coverage. It protects your business vehicles against accidents, theft, and liability claims.
Cyber Liability Insurance
Many sheet metal shops rely on CAD designs, automated machinery, and vendor systems. Cyber Liability Insurance protects your digital assets and sensitive data from cyberattacks, ransomware, or system breaches.
Employment Practices Liability Insurance (EPLI)
Your workforce is your biggest asset — but also a potential risk. EPLI covers claims related to wrongful termination, discrimination, or workplace harassment, protecting your business reputation and finances.
Understanding the Risks in Sheet Metal Manufacturing
Sheet metal manufacturing involves precision processes — cutting, bending, punching, welding, and forming thin metal sheets. This fast-paced, equipment-heavy environment creates multiple layers of risk, from workplace injuries to production delays and equipment breakdowns.
Common exposures include:
Machine-related injuries: Cutting and forming machinery can cause severe injuries if safety protocols fail.
Fire hazards: Sparks from welding, plasma cutting, or grinding can ignite nearby materials.
Property damage: Equipment, inventory, and raw materials are valuable — a single fire or theft could halt production.
Product liability: Faulty ductwork or defective components can lead to property damage or business interruption claims.
Equipment breakdown: A malfunctioning shear, brake press, or laser cutter can lead to production losses.
Employee injuries: Handling large metal sheets, sharp edges, or heavy tools can cause lacerations or back injuries.
Transportation and installation risks: Moving finished metal components to construction sites exposes you to transit damage or accidents.
To mitigate these risks, your insurance must be customized — not a generic policy, but one built for Class 3066 operations.
Understanding the Risks in Sheet Metal Manufacturing
Sheet metal manufacturing involves precision processes — cutting, bending, punching, welding, and forming thin metal sheets. This fast-paced, equipment-heavy environment creates multiple layers of risk, from workplace injuries to production delays and equipment breakdowns.
Common exposures include:
Machine-related injuries: Cutting and forming machinery can cause severe injuries if safety protocols fail.
Fire hazards: Sparks from welding, plasma cutting, or grinding can ignite nearby materials.
Property damage: Equipment, inventory, and raw materials are valuable — a single fire or theft could halt production.
Product liability: Faulty ductwork or defective components can lead to property damage or business interruption claims.
Equipment breakdown: A malfunctioning shear, brake press, or laser cutter can lead to production losses.
Employee injuries: Handling large metal sheets, sharp edges, or heavy tools can cause lacerations or back injuries.
Transportation and installation risks: Moving finished metal components to construction sites exposes you to transit damage or accidents.
To mitigate these risks, your insurance must be customized — not a generic policy, but one built for Class 3066 operations.
- FAQs
Common Insurance Questions for Metal & Manufacturing Businesses
Class 3066 covers businesses engaged in the manufacturing or fabrication of sheet metal products, including ducts, panels, enclosures, roofing, and ventilation systems. It applies to operations involving metal cutting, bending, forming, and welding.
A complete insurance package includes General Liability, Workers’ Compensation, Commercial Property, Equipment Breakdown, Inland Marine, and Product Liability Insurance. Optional coverages like Cyber and EPLI can be added for full protection.
Yes. California law mandates Workers’ Compensation coverage for all businesses with employees. Additionally, most contracts require proof of General Liability and Property Insurance before work begins.
You can lower costs by maintaining safe operations, implementing employee safety training, installing fire prevention systems, and regularly servicing your equipment. Metal Shop Insurance also offers bundle discounts and risk evaluation services.