Insights

The Fabrication Insurance Blog

Industry-specific insurance insights for experiential fabricators, set builders, and brand activation companies. No generic advice — just what matters for your operation.

Underwriting · Submissions · Broker Representation

What an Underwriter Actually Does With Your Submission

A former Zurich underwriter explains what really happens when your submission lands on the desk — and why the quality of your broker's narrative decides your premium more than your loss history.

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Workers' Comp · Classification · Premium

The Hidden Cost of Misclassification: How One Wrong Code Can Add 30% to Your Premium

One wrong class code on your Workers' Comp dec page can add 30% or more to your annual premium — year after year. Here's how the math works, what fabrication shops get wrong, and how to fix it.

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Coverage Design · Operations

From Shop Floor to Show Floor: How Insurance Should Follow the Way You Actually Work

Your process moves from design to fabrication to installation to strike. Your insurance program should cover every phase — not just the one construction underwriters understand.

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Renewal · Premium · Classification

5 Line Items on Your Insurance Renewal That Should Raise a Red Flag

Premiums going up with no explanation? Renewal arriving 30 days before expiration? These five signs indicate your program hasn't been built around your business.

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Misclassification · Workers' Comp · GL

Why Set Fabrication Isn't Construction — and How Misclassification Is Costing You Thousands

Most scenic and experiential fabrication companies are misclassified as construction. That simple mistake can double your premiums — and it ripples through every policy you carry.

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Schedule Your Coverage Blueprint™ Review

Tell us about your shop, your clients, and your project scope. We'll start with the story — and build the program from there.

robert.jacobs@experientialrisk.com  ·  NJ License #9467756  ·  Nationwide