Sheet metal workers insurance
One application, multiple quotes.
All in one place.
Essential Protection
From
$20.75
/month*
Can help cover claims of accidental damage to a customer’s property, such as dents to walls or floors.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Essential Protection
From
$20.75
/month*
Can help cover claims of accidental damage to a customer’s property, such as dents to walls or floors.
What’s included:
General Liability
Coverage limits: $1M to $2M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need Sheet Metal Workers Insurance?
As a sheet metal contractor and business owner, you have big dreams and an even bigger to-do list. Now you can start to think about how you’ll protect everything you’ve created.
Below are some of the most common types of insurance policies that sheet metal workers carry to stay protected.
What Type of Sheet Metal Workers Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
From
$33.75
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Kind of Insurance Should Sheet Metal Contractors Consider Getting?
If the thought of policies and premiums makes your head spin, and you don’t know the difference between damages and declarations — don’t fret. We can give you information about business insurance so that you can make an informed decision, jargon-free. Here are the two types of policies available to you, as well as what they may be able to cover.
General Liability Insurance
In the same way that sheet metal has many uses, general liability insurance is handy in a variety of scenarios. This type of policy can cover bodily injury, property damage, and third-party accidents. In your case, “third-party” accidents refer to your customers or vendors.
For example, imagine you’re working outside at a customer’s home. You have your tools laid out, along with extension cords stretching to your work area. Your customer’s kid comes home from school, and they trip and fall on your cables, leading to a hospital visit.
At the very least, you likely have one upset customer. However, they could also sue you for damages from their child’s hefty hospital bills. Now what? For uninsured contractors, you’ll hopefully have business savings or access to a loan.
But if you had general liability insurance, your policy could help offset those hospital bills. The average claim for damage or accidents in small businesses is $30,000, which means that being insured could protect your finances from a big hit.
So what does general liability insurance usually cover in your sheet metal contractor business? Here’s a recap:
- Third-party property damage (aka customers or vendors)
- Bodily injury
- Medical expenses
- Personal and advertising injury
- And more
General liability insurance usually does not cover:
- Personal property damage
- Professional services
- Employee injury and workers compensation
- Damage to your work
- Motor vehicles during business use
- Intentional injury or damage
- And more
Workers Compensation Insurance
It’s an exciting day when you have enough business that you need to hire an employee. With extra team members comes added responsibilities, though. Many states require you to carry workers compensation insurance if you have part-time or full-time employees.
Workers comp policies cover medical bills, lost wages, and any legal costs associated with an employee who gets sick or hurt on the job. Hopefully, your employees never face a workplace injury, but if they do, you could be left with the average claims cost of around $41,000. The price of a single incident could potentially make your monthly insurance premiums worthwhile.
Workers compensation insurance may cover:
- Medical payments
- Lost wages
- Rehabilitation expenses
- Death benefits
Why Should I Get Sheet Metal Workers Insurance?
Running a business is full of unknowns, and while we can’t accident-proof them, we can protect them.
No matter how careful and diligent you are, accidents can happen. While most of the time, little slip-ups or human error don’t lead to much, but for some, accidents could mean the end of your business. Forty-three percent of small business owners polled reported being threatened with or involved in a civil lawsuit. A little “oops” could lead to a big bill, too. Look at the most common incidents that small business owners face, including how much they cost on average:
- Reputational Harm — $50,000
- Client Injury or Damage — $30,000
- Client Slip and Fall — $20,000
You’ve worked hard to learn and grow to this point, and you deserve to continue your business for as long as you’d like. By thinking ahead and getting sheet metal worker insurance, you could protect your company if you find yourself in the middle of a damages claim.
By paying your monthly insurance policy premiums, you buy yourself peace of mind that you’ll have someone on your side on the tough days. Your insurance quotes are based on your business, so you don’t have to worry about overpaying for more coverage than you need.
Business insurance also supports you on your best days. Having a certificate of insurance (COI) could help you rent office space or win the trust of potential employees and customers.
Here at Simply Business, we make getting insured fast and simple, so that you can get covered and get back to work.
What Does Sheet Metal Workers Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Sheet Metal Workers Insurance Coverage Questions
In some states, you’ll need business insurance to operate your company. However, each state sets its insurance laws, so you may not be required to carry sheet metal workers insurance. We do suggest considering general liability insurance, though.
Workers comp laws are also set on the state level, though it’s common that you’ll need coverage if you have employees. Lucky for you, you don’t necessarily need to do any research to get started. Our quote process can determine what laws apply to you based on information provided and the state you’re located in.
You can generally deduct business insurance premiums from your income tax filings. We always recommend talking to an accountant if you have questions about your specific business expenses, though.
You deserve better than one-size-fits-all insurance, so each insurance policy is customized for you. The amount of coverage your business needs depends on:
- The size of your business
- Your business location
- Your annual revenue and payroll
- And more
Our quote form will suggest insurance policy options for you, and our licensed insurance agents are available and will be happy to assist you!
The beauty of getting free, custom quotes is that you can compare each of them to decide which is right for your business. If you’re ready to get your free quotes, you can speed up the process even more by having the following information:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
Yes, your state sets its business insurance requirements. You may or may not be legally required to have sheet metal worker insurance, but we recommend it. In most cases, your state will require workers comp coverage when you have part-time or full-time employees.
We’ve created a quote process that keeps you from having to check state insurance laws. We’ll be able to suggest insurance options based on your answers, and our licensed insurance agents are happy to answer any questions you may have.
The policies you choose to carry affect what scenarios your business is covered in. If you select an insurance bundle that includes general liability and workers comp, it could cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- Negligence or alleged negligence
- And more
We understand that you want to consider each new business expense carefully. It’s tough to give an exact price since insurance policies are tailored to your needs. Generally, your insurance premiums are based on:
- Payroll and revenue estimates
- The location of your business
- The specific services you offer
- And more
Want to see how much your sheet metal workers insurance may cost? Just click here to get free quotes from some of the top insurers in the country.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
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*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
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