Insurance for sheet metal and ductwork contractors.
General liability, workers’ comp, auto, and shop coverage for sheet metal contractors who fabricate and install ductwork, flashing, gutters, and architectural metal.
What sheet metal contractors usually carry
- General liability, $1M / $2M
- Workers’ comp
- Commercial auto
- Shop building and machinery
- Equipment breakdown
- Installation floater
- Umbrella
Watch for these in a sheet metal policy
- Flashing and metal roofingFlashing, coping, and standing seam work can put you in a roofing class, which many sheet metal policies exclude or rate much higher. Describe your exterior work carefully.
- Fittings you sellDuct fittings and metal parts you sell to other contractors are a products exposure. Some policies cover only work you install yourself.
- Machine breakdownA press brake, shear, or plasma table that fails can stop your shop. Commercial property excludes mechanical breakdown, so you need equipment breakdown coverage.
- Mold and air qualityDuctwork gets named in indoor air and mold claims. Most policies exclude mold, and some exclude any claim tied to air quality.
What GCs and mechanical contractors ask sheet metal contractors for
- Additional insuredThe mechanical contractor, the GC, and the owner, for ongoing and completed operations.
- Waiver of subrogationOn general liability, workers’ comp, and auto.
- Primary and noncontributoryYour policy answers first for claims from your installation.
Questions sheet metal contractors ask
Straight answers.
The questions we hear most, answered plainly.
Is my fabrication shop covered by my contractor policy?
The liability is, if the policy lists shop work. The building, machines, and stock need property coverage, and big machines need equipment breakdown.
Do I need roofing coverage for flashing work?
Maybe. Some carriers treat flashing and metal roofing as roofing. Tell us what you install on roofs, and we quote it the right way.
How is sheet metal insurance priced?
On payroll and revenue, your mix of shop fabrication and field installation, and any exterior or roof work.
Can I pay monthly?
Yes. Most policies can be paid in full or monthly.
Contractors and trades
Related industries.
Don’t see yours? See every industry, or tell us what you do and we’ll quote it.
General liability, $1M / $2M, Commercial auto, Motor truck cargo
Septic contractorsGeneral liability, $1M / $2M, Contractors pollution liability, Commercial auto, with pollution for the load
Utility contractorsGeneral liability, $1M / $2M, Workers’ comp, Commercial auto
Home inspectorsErrors and omissions, General liability, $1M / $2M, Drone liability
Property preservationGeneral liability, $1M / $2M, Errors and omissions, Commercial auto
Restoration contractorsGeneral liability, $1M / $2M, Contractors pollution liability, with mold, Professional liability