Insurance for Metal Fabricators
Metal fabricators combine high-value machinery, hot work, material handling, customer specifications and products liability. The insurance program should reflect both what happens on the shop floor and what can happen after finished work leaves it.
Build the program around how the operation actually works.
Manufacturing insurance is not one policy. The right structure depends on the product, process, property, people, contracts and potential severity of a loss.
Important distinctions before renewal.
Does general liability cover defective fabricated products?
General liability commonly addresses covered third-party bodily injury or property damage arising from products, subject to the policy terms and exclusions. The cost to repair or replace your own defective work or product may be treated differently, which is why the exact claim scenario matters.
What information helps quote a metal fabricator?
Useful underwriting information often includes sales, payroll, product descriptions, end uses, welding or hot-work controls, equipment and property values, contracts, loss history, and where products are sold or installed.
Why does end use matter?
A component used in a low-hazard consumer product presents a different severity profile than a component used in aerospace, medical, automotive, structural or other critical applications.
Coverage descriptions are general. Actual coverage depends on the specific policy forms, endorsements, limits, exclusions and facts of a claim.
Keep digging into the exposures that matter.
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