Machine Shop Insurance — Coverage, Cost & Requirements
Machine shops and precision machining operations require workers' comp for high-severity equipment injuries, product liability for machined parts that fail in end-use applications, and commercial property for CNC machines and tooling. Pollution liability may apply for metalworking fluids and coolant disposal. Garagekeepers or bailee coverage protects customer-owned materials and tooling.
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What Coverage Does Machine Shop Insurance Include?
Most machine shop businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
General Liability
Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Product Liability
Covers bodily injury or property damage from products you manufacture, distribute, or sell.
Commercial Property
Commercial Property coverage tailored for machine shop businesses.
Inland Marine
Covers tools, equipment, and goods in transit or at off-site job locations.
Pollution Liability
Pollution Liability coverage tailored for machine shop businesses.
How Much Does Machine Shop Insurance Cost?
The cost of machine shop insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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