Metal Fabrication Insurance Coverage Checklist
The coverages a metal fabrication business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for metal fabricators and welding shops. Priorities reflect typical exposure; confirm against structural and field work.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Products & Completed Operations Liability | Covers injuries from products sold, for years after the sale — the core coverage for manufacturers. | Core | |
| Installation Floater / Builder's Risk | Covers materials in transit and during installation at job sites. | Situational | |
| Commercial Property & Business Income (incl. Equipment Breakdown) | Covers the plant, machinery, stock, and lost income after a loss. | Core | |
| Umbrella / Excess Liability | Adds limits for a structural failure. | Core | |
| Workers' Compensation | Required in most states; machinery injuries drive the largest claims. | Core |
The coverage gap most often missed
The most commonly missed exposure for this class is completed operations on structural and load-bearing work. When a railing, stair, trailer, or structure fails, the fabricator's welds are at the center of the claim — sometimes years later. Fabricators should confirm completed-operations limits, use qualified welders and engineered drawings, and keep inspection records; field installation adds construction-type exposures.
Send us the checklist and we'll review your metal fabrication coverage line by line, then market it across multiple carriers that compete for your account.
Related: Metal Fabrication Insurance · Metal Fabrication Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a metal fabrication business need?
The core coverages for a metal fabrication business are Products & Completed Operations Liability, Commercial Property & Business Income (incl. Equipment Breakdown), Umbrella / Excess Liability, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my metal fabrication coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.