Sandblasting Business Insurance
Getting insurance for your sandblasting business is essential. This is because you will want to protect your business’s assets against a variety of foreseeable risks, such as those that relate to customers’ properties being damaged and employment law violations.
Business insurance can also be used to cover the cost of repairing or replacing your sandblasting equipment in the event that it gets damaged or stolen.
We’ll help you find the most personalized and affordable coverage for your unique business.
Recommended: Next Insurance is dedicated to matching small businesses with the right policy at the best price.
Best Insurance for a Sandblasting Business
General liability insurance is — generally speaking — one of the most important insurance policies for sandblasting businesses.
Some of the risks general liability insurance covers are:
- Bodily injury
- Property damage
- Medical payments
- Legal defense and judgment
- Personal and advertising injury
Even so, your sandblasting business might also benefit from purchasing other types of policies. This is because a general liability policy will be limited when it comes to the types of risks that it will cover.
Additional coverage options for a sandblasting business include:
- Business interruption insurance — Will protect you in the event that you are required to temporarily halt operations due to a covered risk (e.g., wind damage, fire, etc.).
- Workers’ compensation insurance — Will cover the cost of compensating an employee (e.g., bodily injuries, payment disputes, etc.).
- Commercial property insurance — Will cover the cost of replacing and/or repairing your commercial sandblasting equipment in the event that it gets damaged.
- Commercial auto insurance — Will protect your company vehicle (as well as third-party vehicles) from accidents that occur while you or an employee is traveling to a customer’s house.
You will also need to spend some time in order to find the right business insurance provider for your small business.
As of 2024, there are two general categories available:
- Traditional brick-and-mortar insurers — Popular examples include Nationwide, CNA, and The Hartford.
- Online insurers — Popular examples include Next Insurance and Tivly.
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Cost of General Liability Insurance
On average, sandblasting businesses in America spend between $500 - $1,500 per year for $1 million in general liability coverage.
Compare the average cost of general liability insurance for a sandblasting business to other professional industries using the graph below.
Several factors will determine the price of your policy. These include your:
- Location
- Deductible
- Number of employees
- Per-occurrence limit
- General aggregate limit
You may be able to acquire general liability insurance at a discounted rate by purchasing it as part of a business owner’s policy (BOP) rather than as a standalone policy.
A BOP is a more comprehensive solution that includes multiple forms of coverage, such as business interruption and property insurance.
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Common Situations That General Liability Insurance May Cover for a Sandblasting Business
Example 1: A client is walking into your office from the parking lot when he trips over some loose pavement and breaks his ankle. He decides to sue your business. Your general liability insurance policy will cover your legal defense costs, including the cost of hiring a lawyer and of paying any required settlement.
Example 2: One of your employees is demonstrating the sandblasting process to an investor when he knocks her to the ground. She breaks her wrist and asks that your company pay for her medical treatment. Your general liability insurance policy will likely cover the cost of treatment if you file a claim with your insurer.
Example 3: A competing sandblasting business has filed a lawsuit against your business for libel. You do not believe that you have libeled them, but you do know that you need a lawyer right away. The general liability insurance policy you have covers legal fees for defending your business against libel claims. It will pay for your lawyer and if you need to settle the lawsuit, it will pay for the settlement as well.
Other Types of Coverage Sandblasting Businesses Need
While general liability is the most important type of insurance to have, there are several other forms of coverage you should be aware of. Below are some of the most common types of coverage:
Workers’ Compensation Insurance
As an employer, you are likely required by state law to carry workers’ compensation coverage. Your coverage will ensure that your employees can get medical treatment for work-related injuries. If they get hurt on the job, they can rely on the policy to pay for their medical care. If they cannot work for a time due to their injuries, the policy will help to cover their lost wages.
Commercial Property Insurance
You have invested a significant amount of capital in your sandblasting business. You have purchased equipment, tools, supplies, and real estate to establish your company. If you were to lose most or all your property in an unexpected event like a fire, it would be difficult to get replacements so you could get back to doing business. But if you have a commercial property policy, you can file a claim with your insurer to get the money you need for purchasing new property.
Professional Liability Insurance
You are careful to sandblast to the exact specifications your clients' request. Yet, there is always the possibility that you could make a mistake—or face accusations of making a mistake—and have a customer sue you over that mistake. You can tailor a professional liability insurance policy for your business to ensure you have coverage if someone sues you. Your policy will pay for your legal defense costs in such a situation.
Commercial Umbrella Insurance
A commercial umbrella insurance policy can be useful if you exceed the limits of your general liability insurance policy. While it does not happen often, certain circumstances can lead to significant damages—like if you lose a big lawsuit. An umbrella policy will kick in when the general liability insurance policy stops paying. It will help you avoid needing to pay the damages out of pocket.
Additional Steps To Protect Your Business
Although it’s easy (and essential) to invest in business insurance, it shouldn’t be your only defense.
Here are several things you can do to better protect your sandblasting business:
- Use legally robust contracts and other business documents. (We offer free templates for some of the most common legal forms.)
- Set up an LLC or corporation to protect your personal assets. (Visit our step-by-step guides to learn how to form an LLC or corporation in your state.)
- Stay up to date with business licensing.
- Maintain your corporate veil.
Sandblasting Business Insurance FAQ
Yes, absolutely. You will need to first get a quote from an online business insurance provider like Next Insurance. Next allows you to then purchase a policy immediately and your coverage will be active within 48 hours.
A typical business owner’s policy includes general liability, business interruption, and commercial property insurance. However, BOPs are often customizable, so your agent may recommend adding professional liability, commercial auto, or other types of coverage to your package depending on your company’s needs.
"Business insurance" is a generic term used to describe many different types of coverage a business may need. General liability insurance, on the other hand, is a specific type of coverage that business owners need to protect their assets.
In most cases, yes. This is because liability could technically arise as soon as you begin operating with clients (or hiring employees).
Depending on your asset and employee structure, you could be legally required to purchase some forms of business insurance (e.g., workers’ compensation, commercial auto, etc.).
Not necessarily. Certain exceptions may be written directly into your sandblasting business insurance policy, and some perils may be entirely uninsurable.
Yes, an LLC is meant to create a legal barrier between your business and your personal assets and credit. If you haven’t formed an LLC yet, use our Form an LLC guide to get started.
An LLC doesn’t protect your business assets from lawsuits and liability– that’s where business insurance comes in. Business insurance helps protect your business from liability and risk.