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.
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.
Your shop relies on high-value equipment. We protect your revenue from mechanical breakdowns and your inventory from supply chain disruptions.
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.
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.
Educational note: We analyze your specific NAICS and SIC codes to ensure you aren’t overpaying on Workers’ Comp due to misclassification.
The “High Hazard” Coverage Blocks
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
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
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
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
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
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
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.
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.
We review your product catalog, raw material sources, installation practices, and current Vendor Agreements.
We verify your NCCI Workers’ Comp codes to ensure you aren’t bleeding premium due to misclassified floor workers.
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.
FAQ
Straight answers for shop owners and fabricators.
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.
Educational note: This page is informational. Coverage details, limits, and exclusions are subject to underwriting approval and specific policy language.