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.
Whether it's £1,000,000 or £10,000,000 you need, we've got you covered.
From professional indemnity insurance to additional tool cover, add all the cover you need with your public liability insurance in one quote form and we'll tailor your insurance policy to suit your needs.
Use our simple and secure online form to request your quote.
Request a quote with our online form in 6 simple steps. One policy, one set of documents.
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Mark HaynesVery happy to continue with Tradesman Insurance. The contact was very helpful and straightforward in explaining my questions. I found the premium very reasonable in comparison and will continue with them.
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Rui NetoI'm really happy with the services tradesman insurance is provided. Friendly team , really recommend
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Jamie DavinNick was great to deal with on the phone. Explained everything, got me the right policy, and was hassle free. Top man
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Most Metal Fabricators start with public liability insurance. If you employ staff, you're legally required to hold employers’ liability insurance. Depending on your work, you may also need cover for tools, personal injury, professional indemnity or contract works.
Metal Fabricators public liability insurance starts from £295.95 per year or £24.66 per month via Direct Debit (if your premium is over £200). Final costs depend on the work you do and the cover levels you choose.
Just complete our quick online form or call us on 01773 810072. You can also request a callback.
Visit our full FAQ page or explore the insurance types section for more information about specific covers.
Site damage, injury and tools claims — practical help when a job goes wrong.
A customer alleging damage, an injury on site or a tools theft claim can stop the next job cold. Even before an official claim is lodged, the legal advisors we work with can help you understand what to photograph, keep and report.
Our advisors guide you through preparation and how to protect yourself while the claim progresses. See our step-by-step claims guide for what to do first — most policies require you to notify your insurer using the details on your schedule.
To discuss your insurance requirements, or if you are unsure which insurer to notify, you can call us on:
01773 810072Lines open between 8am and 8pm, Monday to Friday
A painter and decorator was finishing a job in a house with a newly laid carpet. They accidentally dropped an open tin of gloss with obvious results. The customer claimed the cost of the carpet and the labour to re-fit a new one.
Public liability insurance covered legal expenses and the compensation awarded.
A structural engineer was tasked with calculating the amount of steel beams and lintels required for a commercial building. During construction it became apparent that the calculations were wrong and the steel would not hold the required load. The project had to be restarted, resulting in a heavy financial loss and large claims against the engineer.
Professional indemnity cover paid the claim and helped keep the engineer in business.
A scaffolding business had scaffolded a house without securing it properly. In strong winds the scaffolding collapsed onto the next door neighbour's house, destroying a large section of the roof.
Public liability insurance covered the claim made against the business.
A kitchen fitter was fitting cupboards and accidentally knelt on a client's new electric hob, causing it to crack.
Public liability insurance covered the claim for a replacement hob and fitting costs.
A commercial carpet cleaning company was cleaning an office carpet when the heat was too high, which shrunk and discoloured the carpet.
Tradesman insurance covered the compensation claim for a new carpet and fitting costs.
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.
