Understanding the business of insuring welding contractors and steel fabricators/installers
A welder, who spends the majority of his time on site working as a subcontractor, needs different cover to that of a welder that operates out of a workshop. Contractors who work out of a workshop may have a large amount of tools, machinery and equipment not to mention material stocks, similar in levels to that of a steel fabricator which need to be covered.
We choose specific underwriters who are able to offer the correct steel fabricators insurance cover requirements for your business that is our main priority when we look at making sure the premium is as competitive as we can obtain, cover first, cost second.
As well as steel fabricators we are able to arrange insurance for steel installers, especially those that work with architectural steel. Many welders very rarely ever work with steel but instead work with alloys in this instance a steel fabricators insurance policy is not the right answer and so our brokers will tailor the cover to suit.
When you’re putting together your trade or construction insurance policy, your core cover is going to be public liability insurance. It covers you if anyone claims compensation from your business because they’ve been injured or their property’s been damaged. For example if you leave your tools out while you’re working at a customer’s house and they trip over them and suffer an injury, or if you’re working on site and accidentally drop a brick that damages a car parked below, you could face a compensation claim. In these scenarios your public liability insurance could pay the legal fees and compensation costs, up to the limit of your policy.
We offer up to £10 million of cover.
You can also cover your tools in case they’re stolen or damaged by buying tools insurance, and you can add buildings insurance if you have a business premises. Don’t forget that employers’ liability insurance is usually a must-have if you’ve got any employees.
We cover over 1,000 trade types, including most types of steel fabricators to carbon steel fabrication, from Arc, Mig , Tig and spot welders, to poweder coating and shot blasters, from metal rolling to press breaking to.
Just use the trade selector on our quote form to type in or select your trade.We have over 50 years collective experience and relationships with Construction underwriting specialists which have the capacity and understanding of the industry to write and place any construction risk. Money Corner Shop is a proud member of the Purple Partnership – Who have been voted the Best Broker Network in the UK – 3 times in the last 4 years – Which means many insurers provide exclusive deals for us, with competitive pricing and enhanced policy cover. MoneyCornershop.com has been working with small-and medium-sized enterprises all across the UK, so we understand that each individual business has its own unique risks and challenges. Our knowledgeable customer service team has the skills and expertise to put together a flexible policy that fits your specific requirements, and has the ability to develop and grow along with your business. When this is combined with the great service our team provides, you can see why people choose to let us arrange their insurance.
We have over 50 years collective experience and relationships with underwriting specialists which have the capacity and understanding of the industry to write and place any risk.
The insurance you need will depend on your specific type of business and the individual risks it faces, but these are most common types of steel fabricators we cover :
Whether you work on large-scale or small-scale projects, the industry requires specialist insurance cover. To arrange this, we will search a panel of leading insurers whom have unparalleled industry knowledge to find a comprehensive solution.
Whether you fabricate from sheet metal, polish to a mirror shine, or apply coating from an electrical charge we can develop a customised insurance program for you. We address your biggest expenditure first, workers compensation, and then focus our attention on the rest of your insurance package. Our job is to ensure that your business is fully protected and that is why we gather a full understanding of your operation before placing a policy, ensuring it fits your requirements. We can offer cover for Property, Material Damage, Product Liability, Employers’ Liability, Public Liability, Business Interruption, Money, Plant & Machinery, Goods in Transit, Inspection and more.
The metal industry is diverse and it’s imperative that you find an agent with a litany of experience.
Fabricating metal items can bring many potential liabilities to a company. Regardless of your specialisation, whether it’s coating, stamping, forging, or engraving, it’s not only your workers that are at a high risk of injury. It is also the equipment and overall warehouse that may be at a risk of damage. It may be difficult to understand at first which type of insurance is better suited for your business. However, with the right company, you may be able to identify the risks and choose the package that makes you feel more secure.
When you begin working with an insurance company, you may want to provide some basic information such as the following:
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