Question 1

What is a common misconception about Workers' Compensation for Metal Fabrication?

Accepted Answer

Metal fab has one of the highest WC class rates in manufacturing — claims are frequent and severe.

Question 2

What happens if metal fabrication don't have Workers' Compensation?

Accepted Answer

Press brake amputation — $480K medical, lifetime wage. WC pays statutorily.

Question 3

What is a common misconception about General Liability for Metal Fabrication?

Accepted Answer

Plant traffic from suppliers, drivers, contractors.

Question 4

What happens if metal fabrication don't have General Liability?

Accepted Answer

Visitor injured on shop floor — $40K. GL pays.

Question 5

What is a common misconception about Product Liability for Metal Fabrication?

Accepted Answer

Fabricators think client engineering specs protect them. Failed weld claims regularly find their way back to the fabricator.

Question 6

What happens if metal fabrication don't have Product Liability?

Accepted Answer

A failed structural weld on a custom rack causes injury — $240K claim. Product liability pays.

Question 7

What is a common misconception about Commercial Property for Metal Fabrication?

Accepted Answer

Single CNC machines run $250K+; lasers $500K+.

Question 8

What happens if metal fabrication don't have Commercial Property?

Accepted Answer

Fire damages CNC equipment — $400K. Property pays.

Question 9

What is a common misconception about Pollution Liability for Metal Fabrication?

Accepted Answer

Most fabricators don't realize cutting fluid disposal and welding fumes create regulatory exposure.

Question 10

What happens if metal fabrication don't have Pollution Liability?

Accepted Answer

Cutting fluid spill enters storm drain — $40K cleanup. Pollution pays.

Question 11

What is a common misconception about Commercial Umbrella for Metal Fabrication?

Accepted Answer

Severity in metal fab justifies high umbrella.

Question 12

What happens if metal fabrication don't have Commercial Umbrella?

Accepted Answer

Severe injury claim hits $3M — umbrella pays excess.

Metal Fabrication Insurance Coverage Guide | RISKX