Why fabrication risks can be difficult to place

Welding, cutting, grinding, fabrication and other hot-work activities can materially affect property and liability underwriting. Insurers may also consider building construction, extraction systems, housekeeping, combustible materials, off-site work and the types of products or structures being fabricated.

Insurance commonly considered

Programs may include property damage, business interruption, public and products liability, machinery breakdown, tools and equipment, commercial motor and transit depending on the business.

What underwriters may request

Insurers can ask for details of hot-work procedures, fire protection, extraction and ventilation, machinery, maintenance, subcontractors, on-site work, product end use, claims history and turnover split by activity.

Specialist presentation

We focus on presenting the actual risk clearly rather than relying on broad occupation labels. This can be important where a fabrication business has stronger controls than an insurer might assume from the industry description alone.