Machine Shop Insurance

Coverage for Machine and Fabrication Shops

Your machine shop keeps production running machine shop insurance keeps you protected when risks threaten to shut you down.

Why your machine shop needs specialized insurance

Your customers rely on you to deliver precision work that keeps their businesses running. But one unexpected event whether it’s damaged equipment, a costly mistake, or an environmental issue can stop production and threaten your entire operation. That’s why having machine shop insurance in place is essential to help you survive challenges and keep your shop running strong.

Protect the equipment your business depends on

Machine shops rely on highly specialized and often expensive equipment. Without it, production comes to a halt. A tailored machine shop insurance policy can include:

  • Commercial property insurance to help repair or replace damaged machinery.

  • Equipment breakdown insurance for mechanical failures that disrupt your operations.

Examples of equipment that may be covered:
Cutting equipment • Drills • Grinding machines • Metal lathes • Milling machines • Polishing machines • Presses • Welding equipment

Coverage for the products you create

Your reputation depends on producing flawless parts and components. But if a defect slips through, the consequences can be costly.

  • Product liability insurance may protect you if your product causes injury or property damage.

  • Product recall insurance can help cover expenses if you need to recall and replace defective items.

Protection from environmental risks

The chemicals, solvents, and paints used in machining can create environmental hazards. Spills, leaks, or contamination may result in lawsuits or costly clean-up.

  1. Environmental liability insurance may help cover legal fees, damages, and remediation costs if your operations cause environmental harm.

Stay afloat when production stops

A fire, flood, or other covered event can shut down your shop, halting both production and income.

  • Business interruption insurance may help cover lost income, ongoing expenses, and even the cost of a temporary location.

  • Optional riders can address supply chain disruptions that prevent you from getting the materials you need.

Don’t forget the business side of your shop

In addition to your specialized coverage, you may also need:

  • Cyber liability insurance to protect against data breaches and cyber-attacks.

  • Business auto insurance for company-owned vehicles, or hired and non-owned auto insurance if employees use personal cars for work.

  • Employment practices liability insurance (EPLI) for claims of harassment, discrimination, or wrongful termination.

Is your machine shop protected?

Your work is critical to your customers and your insurance is critical to your business. Let’s help you build a machine shop insurance plan that keeps your equipment running, your reputation intact, and your business thriving.

Contact us today to get started.

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