When you're welding on a client's site or in your own shop, things can go wrong quickly, and without proper business insurance, you could find yourself on the hook for some costly mistakes.
The best welder insurance policy offers several kinds of protection to you, your employees, and anyone who might end up at your worksite. If you’re not sure what kind of coverage you need as a welder, here’s an overview:
These are just the most common types of coverage you can get as a welder. Adding these and more to your welder insurance policy will provide as much protection as possible during your workday.
As you start looking for welder insurance, you’ll likely begin wondering what kind of prices you’ll pay for coverage. The following estimates should give you an idea of what to budget for:
General liability insurance doesn’t cover damage to your own tools or equipment—that’s where additional coverage like commercial property insurance comes in. It also won’t cover injuries to you or your employees—that’s what workers' compensation is for.
Welding isn’t possible without the use of specific equipment, such as a welding machine, angle grinder, and welding mask. If any of these items were misplaced or stolen, you likely wouldn’t be able to work until you replaced them all. And that could cost a lot of money. If you don’t want to be stuck paying to replace stolen or lost gear, you need tools and equipment coverage for your welder insurance policy. This coverage is meant to help you replace welding equipment and tools, whether you owned them or were renting them for work.
Any time you have to travel for your welding job, there’s a risk of getting into a car accident. And if you’re traveling just for your business, your personal car insurance coverage won’t apply to any car accidents you cause. This is why you need welder auto insurance . This part of your welder insurance policy will pay for the medical bills of anyone who is hurt in the accident, and it will pay for car repairs after the accident, as well.
Before you can get an accurate estimate on welder insurance, you’ll need to let us know where you’re located and what coverage you want to add to your policy. You can take a look at our website to learn more about the coverage we offer welders.
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