Public liability
On-site fabrication damage
Damage to client property or injury during installation of fabricated steelwork.
Trade cover
Metal Fabricator Insurance
Metal Fabricator cover, quoted in minutes. Your quote depends on trade, turnover and cover levels.
Get a quoteTakes about 5 minutes · No card details to get a quotation · Documents by email
The work
Workshop and on-site fabrication
Metal fabrication work in the UK can involve hot work, cutting and welding, heavy materials, and busy sites where accidents can happen quickly. Having the right public liability insurance helps protect your business if a third party is injured or property is damaged as a result of your work. At Tradesman Insurance 4U, we can help arrange metal fabrication insurance that’s suited to how you work.
Whether you fabricate in a workshop, on-site, or you’re a mobile metal fabricator, we can help you put the right cover in place. Depending on your needs, you may wish to include employers’ liability insurance (if you employ staff or use labour-only help) and professional indemnity insurance where design, advice, or specifications form part of the service. You can also add optional extras such as tools cover if required.
Our aim is to keep the process straightforward and hassle-free, so you can focus on your projects with confidence. If you’re unsure what level of cover you need for your metal fabrication work, get in touch with Tradesman Insurance 4U and we’ll talk you through the options.
When arranging public liability insurance for metal fabrication, it’s important the policy reflects the type of work you do. Consider where you work (workshop vs. on-site), the types of projects you take on (structural fabrication, architectural metalwork, railings and gates, repairs), and whether you regularly carry out hot work such as cutting or welding on-site.
Choose a suitable limit of indemnity, especially if your contracts specify minimum requirements. If you add tools cover, make sure you have an accurate replacement value for your equipment, so you’re not underinsured if items are stolen or damaged.
If you employ anyone, you may be legally required to hold employers’ liability insurance. Make sure your working arrangements are correctly disclosed so your cover responds as expected.
At Tradesman Insurance 4U, we can arrange a range of business insurance options for metal fabricators, including public liability, employers’ liability, professional indemnity, and optional extras like tools cover. Head to our insurance cover types section to learn more about what each cover does and when it may be needed.
If you have any questions, visit our business insurance FAQs section or give us a call to speak with one of our advisors. Don’t take chances with your livelihood — make sure you have the right protection in place for your metal fabrication work.
Where claims come from
Illustrative situations, not a statement of what your policy covers.
Public liability
Workshop visitor injury
Injury to customers or delivery drivers visiting your workshop.
Tools
Plant and equipment
Optional cover for fabrication machinery and portable tools.
On the quote form
Cover you can select
These are the cover options you can build on the form. Your quotation and schedule confirm what applies.
Public liability
The core cover for injury and property damage. Limits from £1m to £10m on our form.
Employers' liability
Legally required if you employ staff, including part-time or temporary workers.
Tools and equipment
Optional cover for theft, loss or accidental damage to your kit.
Professional indemnity
For advice, design or consultancy work. Limits from £50,000 to £5m.
Prices start from
£295.95 / year
including IPT
or from £27.45 per month
What metal fabricator cover costs
£295.95 is the lowest price available on our quote form for public liability for metal fabricator. It is not a typical package and most policies cost more. Your own price depends on the work you do, the liability limit you choose, whether you employ staff, and any extras you select. You may be able to spread the cost with monthly Direct Debit on the quote form; illustrative instalments from £27.45 a month. The total you pay by instalments is higher than paying in full.
Illustrative monthly Direct Debit instalments, subject to eligibility. A deposit applies by card; paying in full costs less.
Quote online in minutes
Select your trade and cover on the form.
1
Select your trade
Choose your trade and tell us how your business is set up.
2
Pick your cover
Add public liability, employers' liability, tools and other options.
3
See your price
Your quotation updates as you select limits and extras.
4
Get your documents
When you buy online, documents are emailed straight away.
Claims we have handled
Settled examples from tradespeople. Each outcome depended on the cover in force at the time.
Public liability
An electrician replaced a consumer unit and a short circuit damaged the client's appliances.
Public liability covered the property damage claim.
Scaffolding
A scaffold collapsed onto neighbouring property during erection work.
Public liability responded to the third-party property damage.
Painting and decorating
A decorator knocked over a tin of gloss paint, staining carpets and furnishings.
Public liability covered the damage to the client's property.
Employers' liability
An employee fractured their ankle after falling from a ladder on a customer's site.
Employers' liability covered the employee's injury claim.
If a client raises a concern
Note what happened while it is fresh, keep your consent and aftercare records together, and call the claim line shown on your schedule. Don't accept responsibility on the spot; let the claims team assess it first.
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Metal Fabricator Insurance FAQs
Most metal fabricators need public liability. Add employers' liability if you have staff, optional tool cover for equipment, and professional indemnity if you give advice or design work.
It is not a legal requirement for every business, but many clients, sites and contracts expect it. Employers' liability is legally required when you employ staff.
If your work includes advice, plans, specifications or design, professional indemnity protects you if a client suffers financial loss because of an error in your work.
Public liability for metal fabricator starts from £295.95 a year, including Insurance Premium Tax, on our site. £295.95 is the lowest price available on our quote form for this trade. It is not a typical package and most policies cost more. Your own price depends on the work you do, the liability limit you choose, whether you employ staff, and any extras you select. You may be able to spread the cost with monthly Direct Debit on the quote form; illustrative instalments from £27.45 a month, subject to eligibility. Paying in full costs less.
See your metal fabricator price
Select your trade and limits on the quote form. No obligation.
Get a quoteRather talk it through? Call 01773 810072, Monday to Friday, between 8am and 5pm.
The information on this page is general information only and is not personal advice. Cover is subject to policy terms, limits and exclusions. Always check your quotation and schedule. Tradesman Insurance 4u is a product of C I 4 U GB Nationwide Limited, authorised and regulated by the Financial Conduct Authority (FRN 496879). Registered in England No. 06671640.
Metal Fabricator Insurance
from £295.95 a year or £27.45/month incl. IPT; your price depends on what you select