FAQs
- FAQs
Common Insurance Questions for Metal & Manufacturing Businesses
Most shops need workers’ compensation, general liability, and equipment coverage tailored to their WCIRB class.
Yes — our inland marine and equipment policies protect tools both on-site and in transit.
If your business manufactures or sells components, yes — it protects you from claims of defective or damaged products.
Absolutely. We offer flexible policies for small, mobile, or contract-based businesses.
Insurance protects your company from costly lawsuits, employee injuries, equipment loss, and production delays — ensuring your operations continue without financial disruption.
It protects your business from third-party bodily injury, property damage, and personal injury claims — such as a client getting hurt at your facility or damage caused by your operations.
Yes, with Tools & Equipment Coverage or Inland Marine Insurance, your portable tools and machinery are covered even when used off-site or in transit.
Premiums are based on your WCIRB class code, number of employees, annual payroll, safety record, and claim history. Maintaining a strong safety program can help reduce costs.
Yes. Welding and metal fabrication contractors can get coverage tailored to fire hazards, equipment damage, and liability for injuries or property damage during welding work.
Product Liability covers claims arising from defective or malfunctioning products that cause injury or damage — crucial for manufacturers and metal goods producers.
Not always. You should verify that subcontractors have their own coverage, or add them as insured parties to your policy if needed.
Implementing safety training, maintaining a low claims history, and managing return-to-work programs can help you qualify for premium discounts.
Yes. California law requires all employers with one or more employees to carry Workers’ Compensation insurance. It covers medical costs and wage replacement for injured workers.
Machine shops benefit from a combination of General Liability, Equipment Breakdown, and Product Liability Insurance to protect against manufacturing defects, machinery damage, and accidents.
Yes. Inland Marine Insurance provides protection for materials, parts, and equipment while being transported or temporarily stored away from your facility.
WCIRB (Workers’ Compensation Insurance Rating Bureau) class codes categorize businesses by their specific work type. Each code reflects the risk level of the job to calculate fair insurance rates.
Yes, Equipment Breakdown Insurance covers mechanical or electrical failures, helping you repair or replace expensive machines without major financial loss.
Absolutely. We design affordable policies for small and mid-sized fabrication businesses to ensure complete protection without high premiums.
Umbrella or Excess Liability Insurance extends your coverage limits beyond standard policies — providing extra protection against large or unexpected claims.
Yes. Commercial Property or Equipment Breakdown Insurance can include business interruption coverage, compensating you for lost income during downtime.
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