Metal Products Manufacturing Insurance

Comprehensive Protection for Metal Fabricators and Manufacturers

Metal products manufacturing is a thriving industry, with the global metal fabrication market valued at $22.95 billion in 2024 and projected to reach $33.15 billion by 2032. However, this growth comes with significant risks. 

Manufacturing operations face complex challenges—from heavy machinery breakdowns to workplace injuries, with the sector reporting 220,000 workplace injuries in 2024 alone.

At The Allen Thomas Group, we've spent over 20 years helping metal manufacturers across more than 20 states protect their operations with smart, tailored insurance solutions that save time and money.

Essential Coverage: Business Interruption Insurance and Equipment Breakdown Protection

The backbone of any metal manufacturing operation is its equipment and continuous production capability. When a critical piece of machinery fails or an unexpected event forces your facility to shut down, the financial consequences can be devastating.

Business interruption insurance ensures your company maintains financial stability during operational disruptions caused by covered events like fires, equipment failures, or natural disasters. This coverage replaces lost income and helps cover ongoing expenses while you get back to full production.

Equipment breakdown insurance specifically protects against the sudden failure of essential manufacturing equipment—from CNC machines and hydraulic presses to furnaces and electrical systems. Standard property insurance typically won't cover mechanical breakdowns, making this specialized coverage critical for manufacturers who rely on complex, expensive machinery.

Property insurance safeguards your physical assets including buildings, raw materials, finished inventory, and manufacturing equipment against damage from fire, theft, vandalism, and other covered perils.

Product Liability Insurance and Workers' Compensation Coverage

Metal manufacturers face unique liability exposures that require specialized protection beyond basic coverage.

Product liability insurance shields your business from claims arising when manufactured products cause injury or property damage. Even if you're producing components to exact customer specifications, you remain liable if something goes wrong. This coverage handles legal defense costs and settlements, protecting your business from potentially catastrophic financial losses.

Workers' compensation insurance is legally required in most states and provides essential protection for both your employees and your business. Manufacturing environments involve inherent risks—sharp materials, heavy machinery, and high-temperature processes. Workers' comp covers medical expenses, lost wages, and rehabilitation costs when employees are injured on the job, while also protecting your business from lawsuits related to workplace injuries.

General liability insurance covers third-party bodily injury and property damage claims related to your business operations, including customer injuries at your facility or damage caused during product delivery.

Supply Chain Insurance and Cyber Liability Protection

Today's manufacturing landscape extends far beyond the shop floor, creating new risk exposures that smart manufacturers address proactively.

Supply chain insurance protects against disruptions affecting your raw material suppliers or distribution channels. With 2025 bringing increased tariff pressures and supply chain restructuring across North American manufacturing, this coverage provides crucial financial protection when external factors disrupt your operations.

Cyber liability insurance addresses the growing threat of cyber attacks targeting manufacturers. As metal fabrication facilities increasingly adopt automation and digital systems, protecting sensitive customer data, proprietary designs, and operational technology becomes essential.

Commercial auto insurance covers your business vehicles used for deliveries, client meetings, and material transportation, while umbrella insurance provides additional liability limits beyond your primary policies.

Why Metal Manufacturers Need Specialized Insurance

The metalworking industry faces distinct challenges that generic business insurance simply doesn't address adequately. The $30 billion metalworking machinery manufacturing sector continues expanding, driven by renewed demand and automation investments. However, this growth brings heightened operational complexity.

Manufacturing processes involving cutting, welding, forming, and finishing create multiple risk points. OSHA's 2024 workplace injury data revealed over 527,000 reported injury and illness cases across all industries, with manufacturing representing one of the highest-risk sectors. Metal manufacturers must navigate regulatory compliance, environmental concerns, and the financial impact of equipment downtime.

We understand these challenges because we've built our expertise specifically around manufacturing risks. Our local Akron, Ohio roots combined with our experience serving businesses across over 20 states means we bring both personal attention and comprehensive market access to every client relationship.

Frequently Asked Questions