Welding Liability Insurance

Due to the varying nature of welding, it is crucial to have insurance coverage specifically designed for the risks you encounter and the equipment you own.

A comprehensive insurance policy package for welders will typically include the following:

• Commercial General Liability Insurance (CGL) – Welders commonly work with heavy equipment intensified by high-heat stress, presenting a significant risk of severe accidents if something goes wrong. CGL is a coverage that protects you from the everyday dangers of working on a welding job site, such as third-party property damages or bodily injuries.
  • Important note: your CGL coverage limit may only apply to all full-time employees, not each individual. If you require the same amount of coverage for each employee, consider increasing your policy coverage limit.

• Tools and Equipment Insurance is a necessary coverage to protect your most important assets. This policy may provide financial coverage to repair or replace lost, stolen, or damaged welding tools and equipment. Anything valued at less than $1,500 is considered a tool, whereas anything above is considered equipment.

• Pollution Liability Insurance is a specialized coverage usually recommended for welders who work in industries or use methods exposed to higher pollution levels (e.g., metal active gas welding). Pollution Liability Insurance provides financial coverage for pollutant liabilities that result in third-party injury or property damage.