What insurance does a machine shop need?
Most machine shops carry a coordinated program: General Liability with products-completed ops, Commercial Property with Equipment Breakdown for CNC and presses, Workers' Compensation (mid-frequency higher-severity class), Commercial Auto for material and finished-goods shipping, and Inland Marine for tools and goods in transit. Higher-volume shops also carry Umbrella / Excess Liability and Product Liability extensions to meet OEM customer contract requirements.
Which carriers will quote machine shop insurance through Delegance?
Delegance has indicated appetite from carriers including AmTrust, Hartford, CNA, and Hanover for machine shops across most U.S. states. The exact panel and per-line state availability are listed above. Indicated appetite reflects carrier guidance as of the refresh date and does not guarantee a quote — final eligibility depends on underwriting review.
Do machine shops need Equipment Breakdown coverage separately?
Most do — standard Commercial Property typically excludes mechanical breakdown of CNC, lathes, presses, and other production equipment. Equipment Breakdown is added as an endorsement or separate policy, and it's the difference between a fast restart and a multi-week shutdown after a major equipment failure.
Are there state-specific rules for machine shop insurance?
Yes. Workers' Compensation is monopolistic in North Dakota, Ohio, Washington, and Wyoming — coverage is from the state fund with a Stop Gap policy from a private carrier for employer's liability. Some states have additional environmental requirements for shops that handle coolants, lubricants, or solvents; Delegance handles environmental placement when needed.
How fast can I get a quote or COI for my machine shop?
Multi-carrier quotes typically return within 24 hours of submitting the intake — Delegance routes to every carrier in our manufacturing panel with indicated appetite simultaneously, including AmTrust, Hartford, CNA, and Hanover. Once bound, Certificates of Insurance — including OEM-customer additional-insured language and waiver-of-subrogation endorsements — are generated in seconds via the portal, ChatGPT, Claude, Slack, email, phone, or MCP.