Email Address
machineshopinsurance@gmail.com
Phone Number
866-226-4436
Our Location
315-A S. Diamond Bar Blvd Diamond Bar, CA 91765
Machine Shop Liability Insurance
Machine Shop Liability Insurance
Owning a machine shop comes with numerous risks, ranging from equipment failures to accidents on the shop floor. Securing the right Machine Shop Liability Insurance is crucial to protect your business from financial hardship. A comprehensive policy can cover various aspects of your operation, including General Liability Insurance, Workers’ Compensation Insurance, and a Business Ownership Policy (BOP). These policies work together to safeguard your equipment, employees, and business assets, giving you peace of mind as you focus on day-to-day operations.
General Liability Insurance for Machine Shops
General Liability Insurance is the foundation of any solid insurance plan for machine shops. This policy protects your business from third-party claims, including bodily injury and property damage that may occur on your premises. Machine shops are prone to accidents due to heavy machinery, sharp tools, and high-risk environments. Having this coverage ensures that you are financially protected in case of unexpected incidents, such as a customer injury or damage to a client’s property during service.
Key Benefits of General Liability Insurance:
Bodily Injury Coverage: Covers medical costs and legal expenses if someone is injured while on your premises.
Property Damage Coverage: Protects against the costs of damage caused to a third party’s property during your operations.
Legal Protection: Provides coverage for legal costs, including lawyer fees, in the event of a lawsuit.
Workers’ Compensation Insurance for Machine Shops
Given the nature of work in machine shops, Workers’ Compensation Insurance is essential. This policy covers medical expenses, lost wages, and rehabilitation costs for employees who are injured or become ill while performing their duties. Whether an employee suffers an accident while operating machinery or experiences a repetitive strain injury, Workers’ Compensation Insurance ensures that they receive the support they need. It also protects you from legal action related to workplace injuries.
Key Benefits of Workers’ Compensation Insurance:
Medical Coverage: Pays for treatment, rehabilitation, and medical expenses resulting from a work-related injury.
Wage Replacement: Provides income replacement if an employee is unable to work due to injury or illness.
Employer Protection: Shields you from lawsuits by employees who get injured or sick while on the job.
Business Ownership Policy (BOP) for Machine Shops
A Business Ownership Policy (BOP) is an all-in-one insurance solution designed for small to medium-sized businesses, including machine shops. It combines several essential coverages, such as General Liability Insurance, Property Insurance, and Business Interruption Insurance. This policy is an efficient and cost-effective way to bundle your coverage, ensuring that your business is protected against various risks, including property damage, equipment breakdown, and disruptions to your operations.
Key Benefits of Business Ownership Policy (BOP):
Property Coverage: Protects your equipment, tools, and buildings from damage caused by fire, theft, or vandalism.
Business Interruption Insurance: Covers lost income and operating expenses if your machine shop has to temporarily close due to a covered event.
Liability Coverage: Combines general liability insurance to protect against third-party claims.
General liability insurance
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Workers’ Compensation Insurance
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Umbrella Liability Insurance
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Commercial Property Insurance
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Why Choose Us
Realizing your Art & Design Become Real Products
Specialized in business insurance for machine shops
Coverage options from trusted providers like Chubb Insurance machine shop policies
Affordable plans to fit any CNC machine shop insurance cost
Protection for single-owner shops to large multi-location facilities
Experience insuring precision shops like Eddie’s Precision Machine Shop
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Top Workplace Injuries in Machine Shops and How Insurance Covers Them
September 15, 2025
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Machine Shop Liability Insurance covers various risks that machine shop owners face, including third-party injury claims, property damage, and employee-related injuries, ensuring your business remains financially secure
General Liability Insurance protects your business from lawsuits or claims resulting from customer injuries or property damage, which is crucial in a high-risk environment like a machine shop.
Workers’ Compensation Insurance covers medical costs, rehabilitation, and lost wages for employees who are injured on the job. It ensures compliance with state regulations and protects your business from lawsuits.
Yes, Workers’ Compensation Insurance is often required by law to protect employees who may be injured or become ill due to their work, ensuring they receive medical benefits and wage replacement.
Yes, a BOP allows you to combine various coverages, including General Liability Insurance, Property Insurance, and Business Interruption Insurance, into one convenient and cost-effective package.
Yes, we offer home machine shop insurance that covers smaller operations run from home, including machinery, tools, and general liability.