Machine Shop Insurance

small business owner protected by machine shop insurance

Machine Shop Insurance Created for Your Business

In your machine shop, precision is everything – but so is protection. With coverage designed to protect your business from the unique risks you face, machine insurance lets you focus on crafting excellence without interruption.
 
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small business owner protected by machine shop insurance
small business protected by machine insurance

Why Do You Need Machine Shop Insurance?

Your shop faces challenges every day, from employee injuries to broken equipment. These risks can disrupt your operations, and without insurance coverage, you'd have to pay for claims out of pocket. That's why business insurance is essential for machine shops. It can help protect you and your business from the unexpected.
small business owner protected by machine shops insurance

Who Needs Machine Shop Insurance?

  • CNC machinists
  • Metal fabricators
  • Welders
  • Manufacturers
  • Custom part makers
  • Tool and die makers
small business protected by insurance for machine shops

What Type of Insurance Do I Need for a Machine Shop?

Most shop owners start with a Business Owner’s Policy (BOP) for the peace of mind it offers. It helps protect your business from common claims that can come up during normal operations. 
A BOP combines three essential types of coverage into a single policy:
 
We know that not all machine shops have the same risks or needs. That’s why we’ve made it easy for you to get other types of insurance for added coverage. For example, you most likely need to carry workers’ compensation insurance if you have employees.
 

How Much Does Machine Shop Insurance Cost?

The cost of machine shop insurance varies because every business owner has unique needs. Insurance companies also use different factors to determine rates. Here are the average costs customers of The Hartford pay for a few common types of insurance:**
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
You may pay a different cost than the average. The best way to find out how much machine shop insurance will cost is to get a quote.
machine shop business owner getting proof of insurance online at night

Here for You, 24/7

Get proof of insurance when you need it. We know you’re busy running a machine shop, so we’ve made it easy to get a certificate online.

Covering Your Operations

From cyber threats to employee-related lawsuits, these challenges can disrupt your machine shop’s operations if you’re not prepared. The right business insurance coverage helps protect your shop so you can keep things running smoothly.
There are over 450,000 new malware detected daily.2
Data breach Insurance for machine shops

Data Breach Insurance

“Our customers’ payment information was taken after one of my shift supervisors fell for a phishing attack.”
 
Data breach insurance, or cyber insurance, helps your machine shop respond to a breach if personally identifiable information (PII) gets lost or stolen.
business income insurance for machine shops

Business Income Insurance

“A rainstorm with strong wind gusts lifted the roof off our shop. We couldn’t open while the roof was getting fixed.”
 
Business income insurance can help you pay ongoing expenses like rent, payroll and utilities when your business can’t operate due to property damage from fire, theft or wind.

Taking Care of Your Team

Your employees are vital to the success of your shop. But they also face risks every day because of the nature of their job. Machine shop insurance can protect your team and help them recover if they get hurt or sick on the job.
Ergonomic injuries make up 33% of all worker injuries in the U.S.3
workers' compensation Insurance for machine shops

Workers’ Compensation Insurance

“My welder developed bursitis from the repetitive nature of welding every day. Eventually, the pain got so bad he had to take time off for treatment.”
 
Workers’ compensation insurance gives your employees benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
commercial auto Insurance for machine shops

Commercial Auto Insurance

“My foreman was driving the business truck to a jobsite when he accidentally rear-ended another car. The other driver ended up suing us because they had to go to the hospital.”
 
Commercial auto insurance helps protect your team on the road if they drive business-owned vehicles for work.

Protecting Your Property

Machinery and equipment play an important part in a machine shop’s success.  From replacing stolen equipment to covering repairs, machine insurance helps ensure your projects stay on track, even when unexpected theft or damage occurs.
85% of small businesses reported experiencing theft at least once a year.4
Contractors’ Equipment Insurance for machine shops

Contractors’ Equipment Insurance

“Someone broke into our work van and stole our calipers and gauge sets.”
 
Contractors’ equipment insurance is designed to cover damaged or stolen equipment, debris removal and project delays due to covered losses.
commercial property coverage for machine shops

Commercial Property Insurance

“We arrived at the shop to find that the building had been vandalized overnight. Several windows were smashed, and the outside of the building was covered in graffiti.”
 
Commercial property insurance helps protect your shop’s machinery and supplies that you use to operate.

Machine Shop Insurance You Can Count On

Not all insurance companies are the same. With The Hartford, you’ll have peace of mind knowing you’re protected by an insurer with more than 200 years of experience. Our specialists can work with you to get the coverage you need for your shop. 
 
Find out more about other related professions we insure:
 

Frequently Asked Questions About Machine Shop Insurance

Machine insurance consists of different types of coverage to help protect your shop from various claims. It can help pay legal costs if you get sued by an employee, customer or vendor. Certain types of business insurance can also help protect the vehicles and equipment you rely on for your machine shop.
Your machine shop needs insurance to help cover the costs associated with property damage and liability claims. Without it, you’d have to pay out of pocket for costly legal claims and damages. In some instances, a lawsuit or customer claim could be financially devastating to a small business. 
 
Machine shop insurance is also important as some states require certain coverages. This can include workers’ compensation insurance and commercial auto insurance.
The best way to get machine shop insurance from The Hartford is to get a free quote online. We know your time is valuable, so we’ve made it fast and easy to get a quote.
small business owner protected by insurance for machine shops

Learn More About Machine Shop Insurance

Get the coverage you need to help keep your shop protected and productive.
 
Quote Today
 
 
Last Updated: April 10, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 AV-TEST, “Malware”
 
3 American Society of Safety Professionals, “Q&A: Why Ergonomics Should Be at the Forefront of Worker Safety and Well-Being”
 
4 Forbes, “The Impact of Retail Theft on Small Businesses and States”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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