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Insurance Tailored For Your Metalworking and Fabrication Business
Why Metalworking and Fabrication Companies Choose Voyage
Tailored
Policies customized just for your company's specific needs.
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Voyage Insurance has been supporting the courageous since 2018.
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:
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.
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.
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.
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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