Business Insurance for Sheet Metal Contractors

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Sheet Metal Work
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Save money by comparing sheet metal business insurance quotes

A welding injury, lawsuit, or stolen machinery can be a huge setback for a small business. Safeguard your small company with custom contractor insurance for sheet metal workers.

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Compare quotes from top providers

Insureon helps sheet metal contractors compare insurance quotes from top U.S. carriers with one easy online application.

What types of insurance do sheet metal contractors need?

These policies provide coverage for the most common sheet metal risks.

General liability insurance icon

General liability insurance

This policy covers basic risks of working with sheet metal, such as a customer injury at your metal shop. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for sheet metal businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers third-party injuries and property damage caused by sheet metal company vehicles, as well as repairs to vehicles damaged by weather or vandalism.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • Vandalism and theft
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of a sheet metal contractor’s welding equipment and fabrication tools if they are lost, stolen, or damaged.

  • Equipment less than five years old
  • Mobile equipment
  • Small tools
Looking for different coverage? See more policies.

Why do sheet metal contractors need business insurance?

From intricate heating and cooling systems to rain gutters, sheet metal fabrication comes with many risks. These include lawsuits, metalworking injuries, stolen tools, and auto accidents. Many general contractors also require you to be insured. Sheet metal insurance can pay for expenses and help fulfill the terms of your contracts.

How much does insurance cost for construction businesses?

Man in construction vest and helmet calculating insurance costs.

Several factors will have an impact on insurance costs, including:

  • Construction and contracting services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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Sheet Metal Work