Does insurance cover re-fabrication or rework costs?

Standard liability policies do not automatically cover the cost to remake your own work. Depending on your risk profile, certain extensions may be available to address defined rework exposures or mitigation costs.

Are contract penalties insured if delivery is late?

Contractual penalties and liquidated damages are commonly excluded unless specifically negotiated. Where possible, we help align your insurance with contract requirements and advise on risk management to reduce penalty exposure.

What materials can affect premiums for bespoke fabrication?

High-value alloys, specialist steels, customer-supplied materials, hazardous processes and complex finishing requirements can increase severity if something goes wrong. Clear quality controls and documentation can improve terms.

Does cover include installation work at client sites?

Installation risks can often be included if declared, including work away, hot works, use of lifting equipment and site responsibilities. Tell us where and how you install so the policy reflects the exposure.

How quickly can I get a quote?

For straightforward fabrication risks we can often provide indicative terms quickly, and full quotes typically follow once we have your turnover, activities, contract details and claims history.

Will insurers ask to see drawings, specs or QA procedures?

They may. For higher-risk bespoke work, underwriters often look for evidence of quality control, weld procedures, inspection/testing, traceability, and how you handle design changes, tolerances and sign-off.

Is UK-only work treated differently from export work?

Yes. Exporting components-especially to the USA/Canada-can materially change liability exposure and policy requirements. Always disclose where products are supplied, installed or used.

Bespoke & One-Off Metal Fabrication Insurance

Q: Is bespoke metal fabrication higher risk to insure?

Often yes. One-off fabrication typically involves greater uncertainty, tighter tolerances, more complex specifications and higher rework exposure than repeat production, which can increase both liability and operational risk.

Q: Do I need Professional Indemnity as well as Product Liability?

If you design, modify drawings, advise on specifications or provide technical guidance, Professional Indemnity is strongly recommended. Product Liability generally covers injury or damage caused by products, whereas Professional Indemnity addresses design/specification and professional negligence allegations.

Q: Is prototype work covered?

Prototype and low-volume work can be covered, but insurers will want to understand testing procedures, intended use, tolerances, materials and any design responsibility you hold. Specialist terms may apply.

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Specialist insurance for custom metal fabricators, prototype engineers, and one-off fabrication projects where risk, tolerances and liabilities are higher.

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We compare quotes from leading specialist insurers

INSURANCE DESIGNED FOR BESPOKE METAL FABRICATION

Bespoke and one-off metal fabrication carries very different risks compared to high-volume or repeat manufacturing. Every job is unique, tolerances are often tight, materials can be expensive, and failure can result in significant rework, contractual disputes or third-party losses.

Insure24 provides specialist insurance for metal fabricators producing custom, prototype, low-volume or one-off components across industries such as construction, infrastructure, aerospace, automotive, energy, medical, architectural metalwork and industrial engineering.

Key Covers for Bespoke & One-Off Metal Fabricators

Public & Products Liability for custom-fabricated components
Professional Indemnity for design, drawings & specifications
Defective workmanship & re-fabrication costs
Contractual liability & fitness-for-purpose disputes
High-value materials & work-in-progress protection
Employers’ Liability for fabrication workshops
Machinery & plant breakdown cover
Business interruption following insured loss

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Common Risks in Bespoke Metal Fabrication

Tolerance failure on one-off components
Material defects discovered mid-fabrication
Incorrect interpretation of drawings or CAD files
Weld failure or structural weakness
Late delivery penalties under contract
Component failure after installation
Damage during transit or installation
Third-party property damage or injury

Why Choose Insure24 for Bespoke Fabrication Insurance

Specialist manufacturing & engineering underwriters
Experience with prototype and one-off work
Policies aligned with real fabrication contracts
Support for design-and-build exposures
Fast quotes and knowledgeable advice

How to Arrange Bespoke Metal Fabrication Insurance

1. Tell us about your fabrication work and contracts
2. We assess design, materials and production risk
3. Coverage tailored to your actual exposures
4. Policy placed with specialist insurers

Insure24 understood the risks of our one-off fabrication contracts and arranged cover that actually matched our exposure. When a component had to be remade, the policy worked exactly as expected.

Operations Director – UK Metal Fabricator

FREQUENTLY ASKED QUESTIONS

+-Is bespoke metal fabrication higher risk to insure?

Yes. One-off fabrication carries greater uncertainty, design exposure and rework risk compared to repeat production.

+-Do I need Professional Indemnity as well as Product Liability?

If you design, modify drawings or advise on specifications, Professional Indemnity is strongly recommended.

+-Is prototype work covered?

Yes, but insurers need to understand testing, tolerances and intended use. We place specialist prototype cover.

+-Does insurance cover re-fabrication costs?

Standard liability policies do not automatically cover rework - specialist extensions may be required.

+-Are contract penalties insured?

Contractual penalties are often excluded unless specifically negotiated.

+-What materials affect premiums?

High-value alloys, specialist steels and customer-supplied materials can increase risk and pricing.

+-Does cover include installation?

Installation risks can be included where disclosed.

+-Can cover be arranged quickly?

Yes - we can often quote within 24 hours for straightforward fabrication risks.

+-Do insurers review drawings and specs?

Often yes. Clear documentation improves terms and reduces exclusions.

+-Is UK-only work treated differently?

Overseas exports, especially to the US, materially change risk and must be declared.

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