All day long, machine shops in Houston are running CNC lathes, grinders, milling equipment, and more. The materials you’re working with are heavy. And the margin for error is super thin. One bad moment on the floor can shut your operation down for a day or longer. If you’re running a machine shop in Houston, commercial insurance isn’t something to sit on
If a Lathe Throws Metal, the Entire Shop Grinds to a Complete Halt
Imagine this scenario. A machinist is running a CNC lathe at full speed. Someone leaves a chuck key in the spindle. That metal launches across the shop. Catches another worker in the arm. Now you’ve got an injured employee and an ambulance pulling up to your loading dock.
Meanwhile, your production line has gone silent. The shop stays down while OSHA comes to review the scene. And your employee’s medical bills start to stack up before the incident report is even filed. City Centre Insurance Agency LLC has seen this type of incident and more.
Texas Doesn’t Require Workers’ Comp for Most Private Employers
The state of Texas is the only state where private employers are not required by law to carry workers’ compensation insurance. That’s not necessarily a good thing. It may feel like one less thing you, as the business owner, have to deal with.
But the problem is that if an employee gets hurt on the job and you don’t have coverage, they can file a personal injury lawsuit against you or your business. For a machine shop where risk of injury is a part of daily work, going without the right commercial insurance policy is taking a serious gamble.
What Your Commercial Insurance Policy Covers for Your Shop
Commercial insurance policies aren’t just one single policy. They typically pull together several different types of insurance, depending how your shop runs. Your policy can include:
- General liability
- Property
- Workers’ comp
- Commercial auto
Your needs will depend on the equipment you use, your crew size, and whether you’ve got vehicles picking up raw materials or delivering the final product to customers. City Centre Insurance Agency LLC will walk you through your entire business model to help you decide exactly what you need.
Talk to Someone Who Understands How Machine Shops Work in Houston, TX
At City Centre Insurance Agency LLC, we know Texas insurance law inside and out. You’re running a machine shop. You’ve got enough on your plate. We’ll help you identify your coverage gaps and get you the protection you need.
