Why do sheet metal contractors and businesses need insurance?
From intricate heating and cooling systems to rain gutters, sheet metal fabrication comes with many risks. A worker could suffer a welding injury, or machinery could be stolen from a work site. Safeguard your small company with custom contractor insurance for sheet metal workers.
Find affordable coverage
Sheet metal contractors can save money by comparing quotes from top insurers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.
What types of insurance do sheet metal contractors need?
These insurance policies cover the most common risks of sheet metal work.
General liability insurance
A general liability policy covers basic third-party risks, such as a customer injury at your metal shop. Bundle it with commercial property insurance for savings in a business owner’s policy.
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
Business owner's policy
A BOP bundles general liability coverage and commercial property insurance at a discount. It's often the most cost-effective type of insurance for sheet metal contractors.
- Accidents that injure clients
- Client property damage
- Damage to your building or its contents
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
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
This policy covers bodily injuries and property damage caused by sheet metal company vehicles. Each state has its own requirements for auto liability coverage.
- Property damage caused by your vehicle
- Injuries caused to another person
- Vehicle vandalism and theft
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. It's a type of inland marine insurance.
- Equipment less than five years old
- Machinery that travels to worksites
- Small tools
Professional liability insurance
Professional liability insurance covers legal costs when a sheet metal company is sued for a mistake or oversight. It's also called errors and omissions insurance (E&O).
- Accusations of negligence
- Failure to finish a project on time
- Undelivered services
How much does sheet metal contractor insurance cost?
A sheet metal business with only a few workers will pay less for insurance than a larger company.
Average sheet metal business insurance costs include:
- General liability: $61 per month
- Tools and equipment: $42 per month
- Workers' comp: $175 per month
Factors that affect premiums include:
- Construction and contracting services offered, such as welding
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get sheet metal contractor business insurance?
It's easy to get sheet metal business insurance if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance (COI) with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find the most affordable coverage that matches the risks of sheet metal fabrication, whether you work independently or hire employees.
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