The Hartford doesn’t offer welding insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Welder Insurance?
Welder’s insurance is made up of different types of business insurance coverages designed to help protect you from the risks you might face as you run your welding business. From hot work permits to site safety, you already juggle a lot every day. Welding insurance helps cover you from incidents like jobsite accidents, injuries, property damage and equipment loss.
A welder insurance package includes these common types of coverages:
- Business Owner’s Policy (BOP)
- Workers’ compensation insurance
- Commercial auto insurance
- Professional liability insurance
Why Might You Need Welding Insurance?
Welding insurance is a collection of coverages that can help keep your business protected from high-risk situations you may not see coming. For example, one dropped torch can cause a fire or a sharp edge could injure a customer. An on-site accident could wipe out months of hard work. Welding insurance can help safeguard your business, so you're not facing expensive claims or lawsuits without support.
Business insurance for welders can help protect you from many potential risks, like:
- Equipment Theft: Someone steals your workbenches and torches from a jobsite.
- Fire Liability: A fire starts while you're welding and damages surrounding property.
- Lost Income: Your shop is temporarily closed due to storm damage.
Welding Business Insurance Coverages
When it comes to protecting your welding business, you’ll want coverage that matches your potential risks. Many welders start with a Business Owner’s Policy (BOP) because of the peace of mind it can provide.
A BOP combines three types of coverage to help protect you from everyday risks:
General liability insurance helps protect your welding business from claims that it caused bodily injury or property damage to others. For example, if a customer slips and falls in your shop, general liability insurance can help cover their medical costs.
Commercial property insurance
helps protect the owned or rented building you operate from, as well as the tools, equipment, inventory and supplies you rely on. These can include your:
- Torches
- Grinders
- Clamps
- Gauges
- Helmets
Business income insurance helps replace lost wages if you can’t operate temporarily because of covered property damage caused by fire, wind or theft.
It’s important to know that a BOP won’t cover every kind of claim you may face as a welder. You’ll need other types of insurance to have comprehensive coverage, including:
Workers’ compensation insurance to help your employees recover from a work-related injury or illness. In most states, this coverage is required if you have employees.
Workers’ compensation insurance to help your employees recover from a work-related injury or illness. In most states, this coverage is required if you have employees.
Commercial auto insurance to help protect you or your employees on the road if you’re using a company-owned vehicle for work.
How Much Does Insurance for a Welding Business Cost?
The cost of welding insurance varies because every business has unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
Although The Hartford doesn’t offer coverage for welders, here are the average costs our small business customers pay for common types of coverage. You can use these amounts to help estimate your insurance costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
To find out your specific welding business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“I damaged the finish on a fence during a gate repair and had to pay for it to be repainted.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Professional Liability Insurance
“A client sued me, saying the welds I did for a new construction weren’t up to code and caused structural issues. They had to pay to get the support beams re-welded.”
Professional liability insurance elps protect your welding business from claims that it made an error in the professional services given to clients. It can help pay attorney fees or other court-related costs if you get sued.
Workers’ Compensation Insurance
“One of my welders burned his hand while welding struts. He was out of work for a while.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Commercial Auto Insurance
“One of my employees was headed to a jobsite when they accidentally rear-ended another car while in traffic.”
Commercial auto insurance can help cover bodily injury or property damage claims from an accident involving your business-owned vehicles.
Installation Insurance
“The scaffolding wasn’t set up correctly and ended up buckling under our weight.”
Installation insurance helps cover personal property installed, fabricated or erected by a contractor. This includes installation-related equipment, materials, labor costs and temporary structures such as scaffolding and construction signs.
Contractors Equipment Coverage
“Some of our welding tools were stolen from a jobsite, and it set our project back by days.”
Contractors equipment insurance is designed to cover damaged or missing contracting equipment. It can help pay to remove debris and clean up after an accident. It can also help pay for losses from theft and to expedite a project that is off schedule due to a covered loss.
Get a Quote for Welding Insurance Options
You’ve worked hard to build your business — now it’s time to protect it. Get a quote for welding insurance through Tivly today.
Last Updated: June 4, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 Insurance Information Institute, "Facts + Statistics: Product liability," viewed April 2026.
3 U.S. Bureau of Labor Statistics, "Employer-Reported Workplace Injuries and Illnesses in 2023," viewed April 2026.
4 National Fire Prevention Association, “Fire Loss in the United States,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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