Machine Shop Insurance Cost: Ranges + Calculator
A machine shop's defining exposure leaves the building: the parts you make. Products–completed operations — usually the most important part of a machine shop's general liability — answers a claim when a part you machined fails and causes injury or damage. Professional liability is the distinct companion: it responds when a part fails to perform as specified (a tolerance or spec miss) rather than causing bodily harm. Our own quote data shows machine-shop buyers requesting general liability, a BOP and professional liability together — a mix that matches custom-part work to customer prints.
As an industry-typical estimate, a machine shop commonly carries general liability with products-completed operations plus a BOP for the equipment and building, and often professional liability for spec work. No insurance bureau publishes machine-shop premiums, so every dollar here is an estimate; each fact is sourced to a named authority (IRMI, III). Use the calculator below, then get a real quote in 5 minutes.
| Business activity |
|---|
| Automotive machine shops |
| Chemical milling job shops |
| Machine shops |
What businesses actually request
Across 18 recent commercial-insurance quote requests on Get Business Coverage, here is how often each coverage line is requested — our own first-party demand data, not a rate quote.
| Coverage | Share of requests |
|---|---|
| General Liability | 72.2% |
| Business Owner's Policy | 55.6% |
| Professional Liability | 33.3% |
Estimate your commercial insurance cost
Plug in a few business details and we'll show an industry-typical annual range for General Liability + Workers Compensation + Commercial Auto, with the source for every number. Real quotes vary by carrier, claims history, and underwriting — get an actual quote here.
Industry-typical market ranges
Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form
Coverage lines a machine shop typically carries (industry-typical estimates):
- Products–completed operations: a part you machined that fails in the field and causes injury or damage — the trade-defining line. IRMI products-completed operations.
- Professional liability: a part that fails to perform as specified (a spec or tolerance miss) — distinct from bodily-injury product claims. IRMI professional liability.
- General liability: third-party injury and property damage on the shop floor, incl. visitors and delivery drivers. III commercial general liability.
- Workers' compensation: mandatory for a shop-floor workforce in nearly every state. III workers comp.
Tolerances quoted, customer contracts (additional-insured wording) and payroll are primary rating factors.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting machine shop operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | NV | -32.8% voluntary loss cost decrease (legislatively-driven; SB 317) | Oct 1, 2026 | SERFF #NCCI-134895530 |
| WC | RI | Overall -2.5% voluntary (industrial); -12.9% federal classes | Aug 1, 2026 | SERFF #NCCI-134743616 |
| WC | AR | Overall -9.8% voluntary loss cost; -9.8% assigned risk market | Jul 1, 2026 | SERFF #NCCI-134876672 |
| WC | TX | Overall -3.8% adjustment to voluntary loss cost level | Jul 1, 2026 | SERFF #NCCI-134745334 |
| WC | OH | -1% private-employer rate cut (~$10M aggregate; -50% cumulative since 2019) | Jul 1, 2026 | — |
| WC | SC | -0.4% voluntary loss cost decrease | Apr 1, 2026 | SERFF #NCCI-134702984 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Bureau-filed loss-cost activity by state — 45 states with filings
Each link below opens a machine shop-specific page showing only that state's most-recent bureau-filed loss-cost filings (NCCI workers' comp and/or ISO commercial-lines), cited to the regulator or bureau filing each came from. Filed-rate data ≠ carrier final rates.
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Sources cited
- Products-Completed Operations — International Risk Management Institute (IRMI), 2024
- Professional Liability Insurance — International Risk Management Institute (IRMI), 2024
- Commercial General Liability Insurance — Insurance Information Institute (III), 2024
- Workers Compensation Insurance — Insurance Information Institute (III), 2024