Welders' Insurance
Big Spring, Lubbock, Midland

Welding and related trades involve various risks due to the nature of the work, making insurance essential for welders and fabricators. Insurance helps protect against potential financial losses from accidents, injuries, or damage that can occur on the job. It ensures that welders are covered for unexpected events, providing peace of mind and financial stability. Having the right insurance tailored to the specific needs of welders helps safeguard their livelihood and allows them to focus on their work without worrying about potential liabilities.

Why welding and fabrication businesses need insurance

• Risk Management: Welding involves high-risk activities such as exposure to high temperatures, hazardous materials, and heavy machinery. Insurance helps manage these risks by providing financial protection against accidents and injuries.
• Legal Requirements: Many states require certain types of insurance, like workers’ compensation, for businesses to operate legally.
• Client Contracts: Clients often require proof of insurance before awarding contracts, ensuring that you can secure and maintain business relationships.
• Financial Stability: Insurance helps protect your business from significant financial losses due to lawsuits, property damage, or equipment breakdowns.
• Employee Protection: Providing insurance shows a commitment to employee safety and well-being, which can improve morale and productivity.

By understanding these coverage options and their importance, you can ensure that your welding business is well-protected against various risks and can operate smoothly and confidently.

Do I need welding business insurance? 

If you own a welding business or welding contractor business, you should always have commercial insurance. Many businesses are required by their clients to carry specific coverages before they can work for them.

Welding and related trades involve various risks due to the nature of the work. The right insurance coverage can protect your business and employees from safety risks including electric shock, fumes and gases, fire and explosions, radiation exposure, physical injuries, noise, and repetitive stress injuries.

Who needs welding insurance coverage?

• Sheet Metal Worker
• Metal Inert Gas (MIG) Welder
• Tool and Die Maker
• Welding Inspector
• Master Plumber
• Structural Iron and Steel Worker
• Pipefitter
• Industrial Boilermaker
• Fabricator
• Auto Body Welder
• Oil Rig Welder
• Construction Welder
• Industrial Maintenance Welder
• Manufacturing Welder
• Military Welder
• Shipyard Welder
• Underwater Welder

What insurance do welders need and what Is covered?

• General Liability: This common coverage protects your business if it’s responsible for property damage, bodily injury, or incorrect work.
• Commercial Auto: Protects vehicles used in your business that transport tools and equipment. You can also add coverage to your policy for permanently attached equipment such as bolted toolboxes or racks.
• Workers’ Compensation: Covers employee medical costs and a percentage of lost wages if they become ill or injured at work.
• Professional Liability: Provides coverage for claims of errors or omissions in your work that result in financial loss for a client. If a client alleges that you failed to deliver the promised services, this insurance can help cover the costs of defending your business and addressing the issue.
• Contractor’s Tools and Equipment Insurance: Protects your tools and equipment against loss, theft, or damage, ensuring you can quickly replace essential items and continue your work without significant disruption.
• Equipment Breakdown Insurance: A type of coverage designed to protect businesses from the financial impact of sudden and unexpected equipment failures.
• Business Interruption Insurance: Offers financial assistance if your business is forced to stop operations due to a covered incident, helping to mitigate income loss during the downtime.

• Professional Liability Insurance (Errors & Omissions): Shields your business from claims of negligence or errors in your professional services, covering legal defense costs and any resulting damages.

How much does insurance for welding businesses cost?

The cost of insurance for welding businesses can vary widely due to the different levels and types of risks associated with various trades. Factors that influence the cost include the specific coverage you need, the number of employees, the use of work vehicles, and your claims history. To get an accurate estimate tailored to your business, it’s best to request a personalized welding insurance quote, either by calling or clicking the free quote button above.

What safety procedures for welders are recommended?

Personal protective equipment, commonly referred to as “PPE,” is designed to minimize exposure to serious injuries, illnesses, and other hazards in the workplace. When safety and health hazards cannot be removed or engineered out of the work environment, PPE should be worn.

Personal protective equipment varies depending on the hazard. Some examples of different types of equipment include the following:

• Eye protection: Safety glasses, goggles, face shields, welding helmets, full hoods
• Ear protection: Ear plugs, earmuffs
• Respiratory protection: Respirators, breathing apparatuses
• Head protection: Helmets, hard hats, protection shells
• Foot protection: Steel-toed, metal-free, non-conductive, conductive, rubber, or synthetic boots and shoes; foot guards; heel and ankle shields
• Hand protection: Vinyl, neoprene, leather, or cotton-knitted gloves
• Body protection: Vests, coveralls, full body suits

Provide the right PPE for the job

One of the biggest complaints about PPE is that it is uncomfortable, followed by “it is too hot,” “not available near the work task,” “poorly fitting,” or “unattractive.” These are issues that can be remedied to some degree. Make sure you are providing employees with the right PPE for the job. Ask employees for their input on comfort, style, and fit. Let them know their opinion matters and give them a few options to choose from. Make sure PPE is kept in the work area where it is needed so it is easily accessible.

Make sure employees know PPE is a requirement, not an option. If employees fail to wear the right PPE, don’t turn a blind eye to the situation. A simple reminder may be all that it takes in some cases, while in other cases you may need to give them a written warning or even send the employee home without pay. Have a set procedure in place and be consistent in following through for noncompliance. Being strict may be difficult, but it is a lot easier than losing an employee due to an injury that could have been prevented.