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Metalworking and Fabrication Businesses Insurance F.A.Q.

What is metalworking business insurance, and why do I need it?

Metalworking business insurance is a set of insurance coverages designed to protect metalworking businesses from financial losses due to unexpected events or accidents. This includes coverage for property damage, liability, business interruption, and worker's compensation. Metalworking businesses need insurance to protect their physical assets, liability risks, and employees' health and safety.

What types of property insurance do I need for my metalworking business?

Insurance can cover a range of risks and damages, such as property damage to equipment, liability for bodily injury or property damage resulting from oil and gas operations, pollution liability, business interruption losses, and damage to pipelines or other infrastructure. The specific coverage will depend on the policies purchased and the unique risks associated with the business.

How do I determine the appropriate coverage limits for my company?

Metalworking businesses need liability insurance to protect themselves from third-party claims of bodily injury or property damage. This includes general liability insurance, which covers accidents or injuries that occur on business premises or as a result of business operations. It may also include product liability insurance, which covers claims related to products the business manufactures or sells.

Do I need workers' compensation insurance for my metalworking business?

Yes, most states require metalworking businesses to carry workers' compensation insurance. This coverage helps protect employees who are injured or become ill as a result of their work. It covers medical expenses, lost wages, and rehabilitation costs.

Metalworking and Fabrication Insurance Information

Metalworking and Fabrication insurance is a specialized form of business insurance that provides coverage for the unique risks and liabilities faced by businesses in the industry. The coverages required may vary depending on the size and type of business, but typically include the following:

  1. General liability insurance: This insurance provides protection in case a third party (such as a customer or vendor) suffers bodily injury or property damage due to your business activities. For example, if a customer is injured on your premises due to a sharp piece of metal, general liability insurance can help cover their medical expenses and any legal fees associated with a lawsuit.

  2. Property insurance: This coverage protects the physical assets of your metalworking business, including buildings, equipment, and inventory. For instance, if your metalworking shop is damaged in a fire or natural disaster, property insurance can help cover the cost of repairs or replacement of damaged property.

  3. Product liability insurance: This coverage is important for metalworking businesses that manufacture or sell metal products. It provides protection in case a third party is injured or suffers property damage due to a defect in your product. For example, if a customer is injured while using a faulty metal tool you manufactured, product liability insurance can help cover the cost of medical expenses and legal fees.

  4. Business interruption insurance: This coverage helps your metalworking business recover lost income if you are forced to close temporarily due to a covered peril, such as a fire or natural disaster. For example, if your metalworking shop is damaged in a storm, and you have to close for several weeks to make repairs, business interruption insurance can help cover the lost income during that time.

In Texas, there are many insurance providers that offer these types of insurance coverages for metalworking businesses. It is important to work with an experienced insurance agent who can help identify the specific risks faced by your business and recommend appropriate coverage options. By having the right insurance coverage in place, you can help protect your metalworking business from financial losses due to unexpected events or accidents.

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Customer Reviews

Mojo BlockMojo Block
18:36 23 May 23
Voyage Insurance Group is very new to me and my family in search of equitable and affordable insurance. The cost of insurance in this current rise of inflation and greed is difficult to figure out. Voyage has shown to me real results…They are simply refreshing and sincere in their approach to the buyer’s needs. However you have morphed seeking a positive desire for change that is affordable in you quest of the right insurance, home or car., Voyage is worth the call… Trinity or Rachel are great at their job to seek out more affordable and equitable insurance… Thank you Trinity and Rachel…
Sal Da DoorSal Da Door
17:16 15 Feb 23
Micah is always friendly and reliable. His word truly is his bond and I’d prefer no one else to handle any of my insurance needs.
DeQuincy LydiaDeQuincy Lydia
04:17 15 Feb 23
Always great working with Michael. He is very professional, knowledgeable and also quick to respond to any questions I may have. He was really able to help me last minute and I'm very grateful!
julie pachecojulie pacheco
03:12 03 Feb 23
Micah Clements was very prompt and professional in assisting me with my needs for home and auto insurance. Micah provided me with multiple options that best fit within my financial budget. I really didn’t think he was going to be able to beat what I was paying with my prior insurance company, but he did, by half! I’m happy I was referred to this group.
23:41 02 Feb 23
the best quote and profesional Customer Service, you can trust in Voyage Insurance Group.
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Regina PopeRegina Pope
21:17 02 Apr 22
David Miller out of Pearland helped us save so much money on our personal auto and our commercial auto premiums. We received such a good deal that we paid it all upfront! David was quick and efficient and we are glad to do business with him!
Bridgette GarciaBridgette Garcia
19:21 02 Apr 22
I had an exceptional experience with Voyage Group Insurance. David Miller was amazing! He provided great customer service and saved me $250. Thanks David!
Nate HeckmanNate Heckman
17:45 29 Mar 22
I've had a great experience with Voyage Insurance Group. Sergio Guerrero was the first person I spoke with about my quote and he was extremely helpful and pleasant to speak with. He was very professional and clear with his explanations to my questions. I appreciated that a lot. As a new customer I am indeed satisfied with my experience. Thank you!!!