Sheet Metal Workers Insurance
Sheet Metal Workers Insurance is crucial for protecting contractors from risks like welding injuries and equipment theft. Key policies include general liability, workers’ compensation, and equipment insurance. Use services like Eagle Nation to easily compare quotes and find the right coverage for your business.
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Why do sheet metal contractors and businesses need insurance?
Sheet metal contractors face many risks due to the nature of their work, from complex heating and cooling systems to rain gutters.
The possibility of a worker sustaining a welding injury or having machinery stolen from a work site is a real concern. It’s crucial to safeguard your small company with the right custom contractor insurance from Eagle Nation Insurance to cover potential losses and ensure the well-being of your sheet metal workers while dealing with these challenges.
What types of insurance do sheet metal contractors need?
Sheet metal contractors need insurance like general liability, workers' compensation, and equipment insurance. These cover property damage, injuries, and risks associated with sheet metal work, ensuring contractors and workers are protected.
Business owner’s policy
This policy conveniently bundles commercial property and general liability insurance into one cost-effective plan for dealers. A BOP is ideal for securing auto shop insurance and shielding businesses from financial losses.
Under this plan
Customer injuries
Damaged customer vehicles
Damaged business property
Commercial auto insurance
A policy designed for dealers and repair shops helps pay for property damage and medical bills after an accident. It is required in many states for businesses that own cars.
Under this plan
Car accident repair costs
Vandalism and theft
Weather damage
General liability insurance
This policy covers basic liabilities for auto service businesses, protecting against dealer risks like customer injury at a repair shop. To maximize savings, businesses can bundle it with property insurance or a business owner’s policy for broader coverage.
Under this plan
Customer injuries at a repair shop
Accidental vehicle damage
Slander and advertising injuries
Workers’ compensation insurance
Workers’ comp is required for auto shops in almost every state to cover employee injuries and related costs. It protects both employees and sole proprietors by handling work injury costs that health insurance might deny.
Under this plan
Employee medical expenses
Partial wage reimbursement
Lawsuits
Tools and Equipment Protection Plan
Contractor’s tools and equipment insurance helps protect your construction gear no matter where you go. This policy keeps your tools and equipment safe while you’re moving them (in transit) or using them at a jobsite. To qualify, your items usually need to be valued under $10,000.
Under this plan
Equipment less than five years old
Mobile equipment
Small toolsa
Professional Liability Protection Plan
Professional liability insurance for contractors, also known as errors and omissions insurance, protects against financial losses when a construction mistake or oversight causes a lawsuit. This policy is key for handling claims related to your work and promises made to clients.
Under this plan
Accusations of negligence
Failure to complete construction
Failure to use promised materials
How much does sheet metal contractor insurance cost?
The cost of sheet metal contractor insurance depends on various factors. A small business with just a few workers typically pays less than a larger sheet metal company.
Key factors affecting premiums:
- Construction and contracting services offered (such as welding)
- Business property and equipment
- Business income
- The types of insurance purchased
- Policy limits and deductibles
How do I get sheet metal contractor business insurance?
Getting sheet metal business insurance is straightforward if you have your company information ready. Here’s how you can do it in three easy steps:
- Complete a free online application: Fill in basic details like revenue and number of employees.
- Compare insurance quotes: Review and choose the right policies.
- Pay for your policy: Once done, you can download your certificate of insurance.
With Eagle Nation, licensed agents help you find the most affordable coverage that fits the risks associated with sheet metal fabrication, whether you work independently or hire employees.
Two ways to start your coverage
Quotes online
Talk to an agent
Verified business insurance reviews
Hear from customers like you who purchased small business insurance.
FAQ’s About Sheet Metal Workers Insurance
Working as a sheet metal worker comes with several benefits. You can ensure your family’s health with low-deductible healthcare plans. Additionally, the opportunity to continually sharpen your skills through training centers helps you stay competitive. You also benefit from union wages, ensuring you earn fair pay for your work.
The greatest risks in sheet metal work include burns from hot metal, sparks, or flames. Eye injuries are also common due to cutting and welding operations that generate flying debris. To prevent these injuries, it’s important to always wear the right protective gear, like safety goggles or face shields.
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The Sheet Metal Workers Insurance helped me secure the right protection for my business. With general liability and workers' compensation, I now feel confident that my workers and equipment are covered.