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Sheet Metal Workers Insurance

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Assemble Perfect Business Protection with Sheet Metal Workers Insurance

You’re independent and practical, and you never shy away from hard work. 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.

Simply Business is dedicated to getting you the business protection you need quickly and pain-free. We’re an online insurance platform that connects small business owners to customized quotes from the nation’s top insurers. All you have to do is answer a few questions to receive free quotes that fit your needs.

Best of all, you can get quotes in under 10 minutes.

Ready to get started?

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Need more detail? Read our FAQs:

  • What is Business Insurance?

Coverage Type

Business Insurance Policies Available for Sheet Metal Contractors:

  • General liability insurance
  • Workers compensation insurance

Benefits:

  • It can protect your business from certain claims.
  • It can cover damages caused by your negligence.
  • Proof of insurance can help clients feel good about your work.
  • It may be required where you’re located.

Two sheet metal workers using press

What Type 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

Sheet metal worker using press

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.

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Sheet Metal Workers Insurance FAQs

Is sheet metal worker insurance required by law?

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.

Is sheet metal worker insurance income tax-deductible?

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.

How much insurance will I need as a sheet metal contractor?

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!

What should I consider before buying insurance for my sheet metal contracting business?

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

Does insurance for sheet metal contractors differ by state?

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.

What does sheet metal worker insurance cover?

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

How much does insurance for sheet metal contractors cost?

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.

Metal working using welder

Why Choose Simply Business?

Whether you work on roofs, gutters, siding, HVAC, or all of the above, you impact your community. Your dedication to your craft has earned you a positive reputation and will help your business continue to grow. You’ve given your all to establish your business, and we want to help you protect it.

Simply Business is an online insurance platform that helps small business owners protect what they’ve created. We’re also one of the fastest-growing online providers of small business insurance, with thousands of customers trusting us to protect their growing businesses.

Evaluating and choosing insurance can be daunting, so we set out to make the process as easy as possible.

So why choose Simply Business?

  • We’re fast and affordable. We don’t want to take up any more of your time than we have to. It’s easy to find and compare plans that are customized to your business — all in under 10 minutes.

  • We’re flexible with coverage. We’re here to help as your business needs evolve, whether you’re on day 1 or day 1,000 of your business.

  • We get your business. You deserve better than cookie-cutter insurance plans. We help you find personalized sheet metal worker insurance options that fit your business.

If you’re ready to take your business to the next level, we’re here to help you safeguard it.

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This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.

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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated reinsurance carrier by A.M. Best. Harborway Insurance is a trade name of Simply Business, Inc., which is a licensed insurance producer in all 50 states and the District of Columbia.

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.