Sheet Metal Contractor Insurance

We place shops that fabricate and install for GCs, HVAC contractors, and building owners. If you are a HVAC contractor who also does a little duct, start on HVAC and we will schedule the fab. If the shop and the metal are the book, you are here. Structural steel erection is a different, heavier class and is not this page.

The shop is property, equipment breakdown on brakes and shears, and a fire-load conversation about welding and solvents. Finished duct and panels sitting for a job are inventory and, once they leave, installation floater. We schedule both so a shop fire and a jobsite theft are not an argument about which location was “described.”

Completed-operations covers a leaking architectural panel, a duct that was never supported, and a custom hood that fails. Additional-insured wording from GCs and mechanical contractors is the weekly certificate. If you design the system, professional liability may belong; if you build to someone else’s drawings, say that. Products coverage matters for fabricated goods you ship without installing.

Washington shop and field payroll stays with L&I. We place stop-gap and competitive-state WC. We do not replace L&I. Height, hot work, and the percentage of field versus shop change underwriting. We ask about spray booths and about any roofing receipts so we can keep those off a form that was not meant to take them — or decline the roofing instead of pretending it is flashing.

HVAC, manufacturing, and general contractors are the related pages. A sheet-metal shop that has become a light manufacturer of products (no field install) may sit more cleanly on manufacturing. Tell us where the work happens.

Risks we actually schedule

• A shop fire or a brake breakdown that stops a job you already promised.
• Jobsite theft of fabricated duct or panels — installation floater, not shop property.
• Completed-operations leaks and support failures.
• Roofing or structural-steel receipts that do not belong on this class.