Steel Fabricators Insurance

The cost of steel fabricators insurance varies depending on your business size, turnover, number of employees, and the level of cover required. We don’t take a one-size-fits-all approach,  every business is unique, and we believe your insurance should be too. Contact us for a tailored quote.

Products liability insurance covers your business if a product you have manufactured or supplied causes injury or property damage to a third party after it has left your premises. For steel fabricators, this is particularly important as fabricated components are often incorporated into larger structures or machinery used by others.

Steel fabricators insurance is a tailored package that can include public liability insurance, employers’ liability insurance, property insurance, tools and equipment cover, products liability, business interruption insurance, and legal defence costs. At Wentworth Alexander, we build your policy around the specific risks your fabrication business faces.

Steel fabricators insurance itself is not a legal requirement. However, if your business employs staff, Employers’ Liability Insurance is a legal requirement under UK law, with a minimum of £5 million cover. We can ensure your policy meets all legal obligations while providing the broader protection your business needs.

While public liability insurance is not legally required, it is strongly recommended for steel fabricators. It protects your business if a client, contractor, or member of the public suffers injury or property damage as a result of your business activities, covering compensation claims and associated legal costs.

Yes, tools and equipment cover can be included as part of your steel fabricators insurance package. This protects your specialist metalworking machinery, tools, and equipment against theft, accidental damage, and breakdown, helping to minimise costly downtime and financial loss.

Yes. Steel fabricators who work off-site, on clients’ premises, or on construction sites can be fully covered under a tailored policy. We can include contract works cover, hired-in plant insurance, and appropriate public liability limits to ensure you are protected wherever your work takes you.

Yes, if declared. Insurers usually apply hot work conditions off site, such as a permit, a fire extinguisher to hand and a fire check after work finishes. Breaching them can affect a claim, so make sure site teams know the rules.

Liability policies often exclude claims arising from design or specification. If you design, detail or calculate steelwork, professional indemnity covers claims that a design error caused loss.

Yes. Erection work carries more risk than workshop fabrication, so declare it and the maximum working height. Some insurers limit erection work or rate it separately.

Structural steel components generally need UKCA or CE marking under BS EN 1090 factory production control. Insurers and main contractors often ask for it, and it supports your defence if a product claim arises.

Not automatically. Goods in custody cover protects customers’ items while they are with you for fabrication, repair or finishing.

Business interruption insurance covers the loss of income your business suffers if it cannot operate following an insured event such as a fire, flood, or serious equipment breakdown. For steel fabricators, even a short period of downtime can result in significant financial losses and delays for clients, making this cover an important safeguard.

Our policies typically run for 12 months and can be renewed with us annually. At each renewal we review your cover to ensure it still reflects your business needs, particularly if your operations, turnover, or workforce have changed during the year.

Getting a quote is straightforward. Contact the Wentworth Alexander team by phone on 01604 904 001 or by email at hello@waib.co.uk, and one of our specialists will discuss your specific requirements. We will then put together a bespoke insurance package tailored to your steel fabrication business.