The word “metalist” might not mean anything to you yet, at least not until you think about everyone who works with metal, like tool makers and machine parts manufacturers. A metalist is anyone who works with and produces metal products. It’s also the name of Hastings Mutual’s commercial insurance coverage designed exclusively for the industry (and a village
in the Ukraine, too, by the way).
A Selected Metalist or Metalists Plus endorsement to your policy features coverages for more than 30 aspects of a metalworking business, including several designed for the industry. Here’s a look at some of the most significant.
Metalworking, like many fields in manufacturing, often calls for specialized tools. If yours are damaged in the course of working, we’ll help you pay to repair or replace them.
Manufacturers Selling Price
Once your product is made, it too can be damaged. Our coverage allows you to recover the value that the product would have cost if it hadn’t been damaged. That way you’re getting back not only the money you put into the product, but also what it cost.
Property Off Premises and in Transit
You’re also going to need to transport your metal goods somewhere. It’s no surprise that there a lot of risks that come with being on the road, though if there is an accident, you’ll be ready to get back to work as soon as possible with coverage of your property.
While you’re protecting your equipment and the finished product, don’t forget to keep yourself safe
, too. Goggles protect the eyes, while gloves guard against cuts and damage from chemicals. And like most physical activity, kneepads and back support absorb the impact from labor.
If you work with metal — if you’re a metalist — you know the importance of protecting yourself and your equipment. Safety gear is one option; a Hastings Mutual policy with a metalist endorsement is another. Talk to your independent insurance agent
about the best option for you and your business.
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