Metal Goods Manufacturing Insurance (Class 3400)
Metal Goods Manufacturing Insurance (Class 3400)
Comprehensive Protection for California Metal Product Manufacturers
From precision metal components to hardware, brackets, fasteners, and fabricated consumer or industrial products — metal goods manufacturers form a vital part of California’s manufacturing economy. Every weld, cut, press, and polish requires skilled labor and expensive equipment — but also exposes your business to risks that could cause severe financial loss.
At Metal Shop Insurance, we understand the unique exposures of Class 3400 Metal Goods Manufacturing operations. Our specialized Metal Goods Manufacturing Insurance (Class 3400) is designed to protect every facet of your business — your workers, your products, your property, and your production flow.
Metal Goods Manufacturing Insurance (Class 3400)
Comprehensive Protection for California Metal Product Manufacturers
From precision metal components to hardware, brackets, fasteners, and fabricated consumer or industrial products — metal goods manufacturers form a vital part of California’s manufacturing economy. Every weld, cut, press, and polish requires skilled labor and expensive equipment — but also exposes your business to risks that could cause severe financial loss.
At Metal Shop Insurance, we understand the unique exposures of Class 3400 Metal Goods Manufacturing operations. Our specialized Metal Goods Manufacturing Insurance (Class 3400) is designed to protect every facet of your business — your workers, your products, your property, and your production flow.
Why Metal Shop Insurance Is the Right Partner for Class 3400 Manufacturers
At Metal Shop Insurance, we specialize in protecting metal fabrication and manufacturing industries — not generic businesses. That means we understand your operations, the WCIRB classifications, and the specific coverage you need to stay protected and compliant.
Why California manufacturers choose us:
Industry-Specific Expertise: We understand the risks and regulatory requirements of metal product manufacturing.
Custom Coverage Packages: Policies tailored to your exact operation — from small fabrication shops to full-scale plants.
Top-Rated Carriers: We work with A-rated insurance providers that specialize in manufacturing and industrial risks.
Competitive Premiums: Our deep market access means better pricing and flexible payment options.
Proactive Risk Management: We help identify safety gaps, implement OSHA compliance, and reduce claims frequency.
Fast Claims Handling: Quick and transparent claims processing, so your production line gets back on track faster.
Our goal is simple — to help metal manufacturers protect what they’ve built, without slowing production or growth.
Why Metal Shop Insurance Is the Right Partner for Class 3400 Manufacturers
At Metal Shop Insurance, we specialize in protecting metal fabrication and manufacturing industries — not generic businesses. That means we understand your operations, the WCIRB classifications, and the specific coverage you need to stay protected and compliant.
Why California manufacturers choose us:
Industry-Specific Expertise: We understand the risks and regulatory requirements of metal product manufacturing.
Custom Coverage Packages: Policies tailored to your exact operation — from small fabrication shops to full-scale plants.
Top-Rated Carriers: We work with A-rated insurance providers that specialize in manufacturing and industrial risks.
Competitive Premiums: Our deep market access means better pricing and flexible payment options.
Proactive Risk Management: We help identify safety gaps, implement OSHA compliance, and reduce claims frequency.
Fast Claims Handling: Quick and transparent claims processing, so your production line gets back on track faster.
Our goal is simple — to help metal manufacturers protect what they’ve built, without slowing production or growth.
Essential Coverages for Metal Goods Manufacturers (Class 3400)
At Metal Shop Insurance, we build policies around the precise operations of your manufacturing business. Each policy is customized for WCIRB Class 3400 metal goods producers, covering the full range of your exposures.
General Liability Insurance
Protects your company against third-party bodily injury or property damage claims. Whether a client is injured at your facility or a defective metal part causes property damage, General Liability covers legal defense, settlements, and judgments.
Workers’ Compensation Insurance
Mandatory in California, this coverage ensures your employees are protected if injured on the job. It pays for medical bills, rehabilitation, and lost wages — while shielding your business from lawsuits.
Common claims include cuts, burns, strains, and repetitive stress injuries from machine work.
Commercial Property Insurance
Your facility houses high-value assets — machinery, materials, finished inventory, and technology. Property Insurance protects your building and contents from fire, theft, vandalism, and natural disasters.
Optional add-ons can cover debris removal, equipment replacement, and loss of raw materials.
Equipment Breakdown Insurance
A malfunctioning CNC machine, air compressor, or furnace can bring production to a standstill. Equipment Breakdown Insurance covers repair or replacement costs, as well as lost income during downtime — ensuring your business keeps running.
Product Liability Insurance
Even with the best quality control, product defects happen. Product Liability coverage protects your company from claims of property damage, injury, or loss caused by faulty or failed products.
It also helps maintain your reputation during recalls or legal challenges.
Inland Marine Insurance
Covers your equipment, tools, and goods in transit. Whether you’re delivering finished goods to customers or transporting raw metal stock, this policy ensures protection against theft, accidents, or damage during transportation.
Business Interruption Insurance
A fire, natural disaster, or mechanical failure can pause operations and stop revenue flow. Business Interruption Insurance replaces lost income and covers ongoing expenses until you’re operational again.
Cyber Liability Insurance
Protects against data breaches, ransomware, and cyberattacks that can disrupt CNC software or steal customer data. As more fabrication systems integrate with digital technology, cyber coverage is no longer optional — it’s essential.
Employment Practices Liability Insurance (EPLI)
Protects against employee-related claims like wrongful termination, discrimination, or harassment. EPLI provides legal defense and settlement costs — vital for manufacturers with large workforces.
Commercial Auto Insurance
If your business owns or uses vehicles for pickups, deliveries, or client visits, Commercial Auto Insurance covers liability, collision, and property damage caused by accidents.
Essential Coverages for Metal Goods Manufacturers (Class 3400)
At Metal Shop Insurance, we build policies around the precise operations of your manufacturing business. Each policy is customized for WCIRB Class 3400 metal goods producers, covering the full range of your exposures.
General Liability Insurance
Protects your company against third-party bodily injury or property damage claims. Whether a client is injured at your facility or a defective metal part causes property damage, General Liability covers legal defense, settlements, and judgments.
Workers’ Compensation Insurance
Mandatory in California, this coverage ensures your employees are protected if injured on the job. It pays for medical bills, rehabilitation, and lost wages — while shielding your business from lawsuits.
Common claims include cuts, burns, strains, and repetitive stress injuries from machine work.
Commercial Property Insurance
Your facility houses high-value assets — machinery, materials, finished inventory, and technology. Property Insurance protects your building and contents from fire, theft, vandalism, and natural disasters.
Optional add-ons can cover debris removal, equipment replacement, and loss of raw materials.
Equipment Breakdown Insurance
A malfunctioning CNC machine, air compressor, or furnace can bring production to a standstill. Equipment Breakdown Insurance covers repair or replacement costs, as well as lost income during downtime — ensuring your business keeps running.
Product Liability Insurance
Even with the best quality control, product defects happen. Product Liability coverage protects your company from claims of property damage, injury, or loss caused by faulty or failed products.
It also helps maintain your reputation during recalls or legal challenges.
Inland Marine Insurance
Covers your equipment, tools, and goods in transit. Whether you’re delivering finished goods to customers or transporting raw metal stock, this policy ensures protection against theft, accidents, or damage during transportation.
Business Interruption Insurance
A fire, natural disaster, or mechanical failure can pause operations and stop revenue flow. Business Interruption Insurance replaces lost income and covers ongoing expenses until you’re operational again.
Cyber Liability Insurance
Protects against data breaches, ransomware, and cyberattacks that can disrupt CNC software or steal customer data. As more fabrication systems integrate with digital technology, cyber coverage is no longer optional — it’s essential.
Employment Practices Liability Insurance (EPLI)
Protects against employee-related claims like wrongful termination, discrimination, or harassment. EPLI provides legal defense and settlement costs — vital for manufacturers with large workforces.
Commercial Auto Insurance
If your business owns or uses vehicles for pickups, deliveries, or client visits, Commercial Auto Insurance covers liability, collision, and property damage caused by accidents.
Understanding the Risks in Metal Goods Manufacturing
Metal goods manufacturing covers a wide range of operations, from small machine shops producing custom parts to large-scale fabrication facilities manufacturing hardware or tools. Despite its diversity, every metal manufacturing operation faces common risks:
Workplace Hazards:
Metal cutting, stamping, grinding, or polishing expose employees to sharp materials, rotating machinery, and flying debris — leading to potential injuries or OSHA violations.
Fire and Explosion Risks:
Welding sparks, flammable coatings, or combustible dust can ignite fires that damage property and halt production.
Product Liability:
If your manufactured metal component fails and causes property damage or injury, your business could face costly lawsuits or recalls.
Equipment Breakdowns:
Essential machines — CNC mills, presses, lathes, or furnaces — can fail unexpectedly, leading to downtime and expensive repairs.
Transportation and Logistics Risks:
Raw materials and finished metal goods in transit or at customer sites can be damaged, lost, or stolen.
Cyber and Data Security Threats:
Modern metal shops rely on CAD designs, digital machining systems, and vendor portals. A single cyberattack can interrupt operations and expose sensitive data.
Regulatory Compliance:
California’s strict labor, environmental, and safety standards mean non-compliance can result in costly fines or shutdowns.
These risks make comprehensive insurance coverage a critical part of your business strategy.
Understanding the Risks in Metal Goods Manufacturing
Metal goods manufacturing covers a wide range of operations, from small machine shops producing custom parts to large-scale fabrication facilities manufacturing hardware or tools. Despite its diversity, every metal manufacturing operation faces common risks:
Workplace Hazards:
Metal cutting, stamping, grinding, or polishing expose employees to sharp materials, rotating machinery, and flying debris — leading to potential injuries or OSHA violations.
Fire and Explosion Risks:
Welding sparks, flammable coatings, or combustible dust can ignite fires that damage property and halt production.
Product Liability:
If your manufactured metal component fails and causes property damage or injury, your business could face costly lawsuits or recalls.
Equipment Breakdowns:
Essential machines — CNC mills, presses, lathes, or furnaces — can fail unexpectedly, leading to downtime and expensive repairs.
Transportation and Logistics Risks:
Raw materials and finished metal goods in transit or at customer sites can be damaged, lost, or stolen.
Cyber and Data Security Threats:
Modern metal shops rely on CAD designs, digital machining systems, and vendor portals. A single cyberattack can interrupt operations and expose sensitive data.
Regulatory Compliance:
California’s strict labor, environmental, and safety standards mean non-compliance can result in costly fines or shutdowns.
These risks make comprehensive insurance coverage a critical part of your business strategy.
- FAQs
Common Insurance Questions for Metal & Manufacturing Businesses
Class 3400 applies to businesses engaged in manufacturing metal goods such as fasteners, brackets, clamps, handles, and other fabricated items not classified elsewhere. It covers machine shops and factories that cut, press, shape, or finish metal for sale.
Core coverages include General Liability, Workers’ Compensation, Commercial Property, Product Liability, Equipment Breakdown, and Inland Marine Insurance. Optional policies like Cyber and EPLI provide extra protection for modern manufacturing.
Costs vary depending on your payroll, machinery value, and annual revenue. On average, Class 3400 businesses pay between $3,000–$12,000 annually, but discounts apply for safety programs and multi-policy bundles.
Yes. Metal Shop Insurance offers multi-location coverage for businesses with several facilities, ensuring consistent protection across all California sites under one policy.