What is Dies, Jigs and Fixtures?
Dies, jigs and fixtures insurance covers specialized tools and holding devices used to produce, shape or assemble parts in manufacturing. This coverage protects the value of precision equipment and helps address losses from accidental damage, mechanical breakdown, theft, transit exposure and other physical loss scenarios. It complements broader equipment coverage and property coverage within a manufacturer's or shop's insurance program.
Who needs it
Businesses that commonly seek this coverage include manufacturers, tool-and-die shops, metal fabricators, mold makers and military or aerospace suppliers that rely on custom tooling. Small shops and larger production facilities alike may require specific coverage for dies, jigs and fixtures in addition to commercial liability and commercial auto exposure when tools are transported between sites. If your operation depends on unique tooling to maintain production, this policy can reduce replacement costs and downtime.
For related machinery-focused coverage information, see the Machine Tools, Metal Cutting Type Equipment Insurance page for additional context: Machine Tools, Metal Cutting Type Equipment Insurance.
What it typically covers
Standard coverages often include:
- Physical loss or damage to dies, jigs and fixtures while on your premises
- Damage in transit or while being set up at a customer site
- Costs to repair or replace tooling, including labor to recondition
- Coverage extensions for newly acquired tooling for a limited period
This coverage works alongside general liability and equipment coverage to address the specific exposures of precision tooling.
Common exclusions or limitations
Typical exclusions and limitations to watch for include wear and tear, gradual deterioration, inherent design defects, and losses caused by improper maintenance. Some policies limit coverage for tooling used in experimental processes or for molds and dies that are no longer in production. If your operations involve heavy construction or on-site contracting work, you may also need to coordinate with contractor-focused policies; see further discussion on safety and defective construction claims at Defective Construction Claims and Safety in the Construction Industry.
Factors that influence cost
Underwriting factors that affect premiums include the replacement value and uniqueness of the tooling, frequency of transportation, storage and security measures, historical loss experience, and whether tooling is covered while in transit or off-site. Operational hazards, such as exposure to corrosive processes or high-volume production, can raise cost, while documented maintenance programs and secure storage can lower it.
Proof of insurance & compliance
Customers or prime contractors may request evidence of coverage and limits before work begins. Certificates of insurance typically list the policy type, limits and any additional insured endorsements. Keep records of tool inventories, serial numbers and purchase or fabrication invoices to speed claims handling and demonstrate compliance with contract requirements.
How to get a quote
To get a tailored estimate, gather a concise inventory of tooling, details on storage and transit practices, and a brief claims history. Discuss your needs with a broker or carrier — or talk to your agent — so they can align limits, deductibles and coverage extensions with your risk profile.
Frequently Asked Questions
Do policies cover tooling while it’s being shipped to a customer?
Many policies offer transit coverage, but limits and conditions vary. Confirm whether off-premises and in-transit exposures are included and whether additional endorsements are needed.
Will wear and tear be covered if a die fails during production?
No. Wear and tear and gradual deterioration are typically excluded. Coverage generally applies to sudden accidental damage rather than expected degradation from normal use.
How should I document my tooling for a claim?
Maintain an up-to-date inventory with photos, serial numbers, fabrication or purchase records and maintenance logs to help support valuation and expedite claims handling.
Still have questions? Talk to a local insurance expert.