TEXAS MANUFACTURING & FABRICATION

Manufacturing & Fabrication Insurance in Texas

Your “Shop Policy” fails the moment your product leaves the factory floor. We close the gap between equipment breakdown in the shop and installation liability at the job site — ensuring you never suffer an uninsured loss.

Coverage Details Call 972-696-9995
75+ Insurance Carriers
5★ on Google · 90 Reviews
Licensed in Texas
Vendor & Contract Review

Built for the Shop Floor & the Job Site

If you build it, sell it, or install it, your risk profile bridges two worlds. We build programs that cover your expensive machinery indoors, and your liability when you install your product outdoors.

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Precision Machining & CNC

Your shop relies on high-value equipment. We protect your revenue from mechanical breakdowns and your inventory from supply chain disruptions.

CNC BreakdownBusiness IncomeProperty
Metal Fabrication & Welding

You build it in the shop, then your crew installs it on-site. We remove “Designated Premises” exclusions so your GL policy travels with your team.

Installation FloaterAction OverMobile Equipment
Food, Plastics & Component Mfg

If your product goes into a larger supply chain, vendor contracts demand heavy limits. We build the exact ISO endorsements Walmart, Home Depot, or industrial buyers require.

Product RecallVendor ContractsUmbrella

Educational note: We analyze your specific NAICS and SIC codes to ensure you aren’t overpaying on Workers’ Comp due to misclassification.

The Coverage Blocks That Actually Matter

A standard Business Owners Policy (BOP) leaves gaps. Here is how we bridge the divide between your manufacturing operations and your contractual obligations.

Installation Floaters

If you install what you manufacture, a standard shop policy won’t cover your materials in transit or at the customer’s site. We add “Off-Premises” coverage.

  • Materials in Transit
  • Uninstalled Job Site Inventory
Without it: A $200K custom fabrication is damaged during delivery or at the client’s site before acceptance — and your property policy stops at your dock door.

Equipment Breakdown

Standard property insurance only covers external damage (like fire). If your main CNC lathe blows a circuit, we ensure your mechanical failures and resulting lost income are covered.

  • CNC & Robotics Protection
  • Electrical Arcing/Short Circuits
Without it: Your $300K CNC machine seizes from an electrical arc. Standard property says “not covered — no external cause.” Production stops for 6 weeks while you self-fund the replacement.

Product Recall Expense

Your GL pays if a product hurts someone, but who pays to ship 10,000 defective units back to the factory and destroy them? We write true Recall coverage.

  • Withdrawal Expenses
  • Brand Rehabilitation
Without it: A defective component triggers a recall from your distributor. The logistics, destruction, and replacement costs hit six figures — and your GL doesn’t cover any of it.

Class-Code Audited Workers’ Comp

Wrong class codes cost you thousands. We audit your operations to ensure “Assembly” workers aren’t being charged the higher “Machine Operator” rate.

  • Accurate NCCI Classification
  • Audit Dispute Help
Without it: Light assembly workers coded as heavy machine operators means you’re overpaying $15K–$40K per year in comp premium — and nobody tells you until you ask.

Supply Chain & Business Income

If a fire shuts down your sole supplier of raw steel, your production stops. We write Contingent Business Income to protect your revenue when your suppliers fail.

  • Dependent Property Coverage
  • Lost Revenue Protection
Without it: Your sole steel supplier goes down for 3 months. Your production stops. Your revenue drops to zero — and your standard property policy only covers losses to your building.

Contractual Liability (MSA)

Signing a vendor agreement with a major distributor? We negotiate the Hold Harmless clauses and Additional Insured requirements so you don’t breach contract.

  • Vendor Agreements
  • Waiver of Subrogation
Without it: You land a $500K supply contract, but their legal department rejects your COI. The deal stalls — or goes to the competitor whose agent got the wording right.

Why Your Current Policy Leaves You Exposed

Generalist agents write “Building and Business Property” policies and stop there. If you are a true manufacturer, your biggest risks happen outside those four walls.

The “Designated Premises” Trap

Many standard shop policies include a “Designated Premises Endorsement.” This means your General Liability coverage completely vanishes the second your employee steps off your property to deliver or install your product.

  • The Fix: We utilize our Construction/CRIS expertise to build Hybrid policies or Installation Floaters.
  • The Result: Your liability coverage follows your product from the lathe to the client’s job site.

The Contractual Hurdle

You finally landed a massive supply contract with a Big-Box retailer, but their legal department is demanding specific ISO endorsements and a $5M Umbrella.

  • The Fix: We don’t just “increase limits.” We review the indemnity agreements to ensure you are actually obligated to provide what they ask.
  • The Result: We unblock the contract, deliver the exact COI wording they demand, and get you paid.
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How We Build Your Quote

This isn’t an instant online quote. This is a strategic alignment of your physical operations with your legal exposures — and we typically submit to carriers within 48 hours of receiving your documents.

1 Operational Discovery

We review your product catalog, raw material sources, installation practices, and current Vendor Agreements.

2 Class Code Audit

We verify your NCCI Workers’ Comp codes to ensure you aren’t bleeding premium due to misclassified floor workers.

3 The Proposal

We present a comprehensive program that covers your iron (Equipment Breakdown) and your contracts (Liability & Umbrella).

What Helps Us Move Faster

  • Currently Valued Loss Runs (3–5 Years)
  • List of CNC Machinery / Major Equipment
  • Estimated Annual Payroll & Gross Receipts
  • Copies of standard contracts or MSAs you sign

Common Warning Signs

  • No Equipment Breakdown coverage on your current dec page
  • Employees who install products off-site without an Installation Floater
  • Sourcing key components from a single overseas supplier without Business Income protection

Not Ready for a Full Quote? Get a Free Coverage Gap Audit.

Send us your current dec page and we’ll identify the 3 most common gaps for your type of manufacturing — equipment breakdown, off-premises liability, and supply chain exposure. No commitment, no obligation.

Request Your Free Gap Audit
Takes 10 minutes No obligation Typically responds within 1 business day

FAQ

Straight answers for shop owners and fabricators.

We ask about your NAICS codes, your installation practices, your vendor agreements, and your equipment schedules — not just “how many square feet is your building.” We know the difference between a shop policy with a Designated Premises endorsement and a program that actually covers your crew at the client’s site. We represent 75+ carriers because no single market handles every type of manufacturing properly.
Maybe you wouldn’t. But check your dec page: is there Equipment Breakdown coverage? Does your GL have a Designated Premises limitation? Do you have an Installation Floater for off-site work? If the answer to any of those is “I don’t know,” that’s not a loyalty problem — it’s an expertise problem. A free gap audit costs you nothing and tells you exactly where you stand.
No. Standard commercial property covers external forces (fire, wind, theft). Internal failures, like an electrical arc or a seized motor, require specific “Equipment Breakdown” coverage. Without it, a $300K machine failure comes out of your pocket.
Generally, yes, under the “Products-Completed Operations” portion of your General Liability. However, if you need to recall the products before they cause harm, you need separate “Product Recall” coverage — and most manufacturers don’t have it until they need it.
Yes. Large distributors and retailers often have complex “Additional Insured” and “Waiver of Subrogation” requirements. We review the indemnity clauses to ensure your policy meets their legal demands — and we represent 75+ carriers, so we can usually find one that accommodates the specific endorsement language they require.
Manufacturers are frequently misclassified. If an employee mostly does light assembly, but is coded as a heavy machine operator, you are overpaying — often by $15K–$40K per year. We perform a Class Code Audit to find these errors and correct them before your next renewal.
If you cannot produce goods because your supplier failed, “Contingent Business Income” (or Dependent Property Coverage) can replace your lost revenue while they rebuild or you find a new source. Most shop policies don’t include this — it has to be specifically added.

Ready to Protect Your Shop and Your Contracts?

Stop relying on a generalist agent. Let us build a program that covers your operations from the factory floor to the final installation.

75+ Carriers 5★ Google · 90 Reviews Based in Frisco, TX
Call 972-696-9995

Educational note: This page is informational. Coverage details, limits, and exclusions are subject to underwriting approval and specific policy language.

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