Welding Insurance

Customized business insurance with competitive rates

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Welding contractor insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the welding company insurance you need to protect your business from accidents, damaged vehicles, injuries and legal fees. Our insurance packages typically include:

General liability
Contractors’ E&O
Commercial auto
Tools and equipment insurance
Commercial property

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available for affordable welder insurance and save up to 10% when you bundle two or more of our policies.

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance covers a wide range of accidents and basic risks. With welder liability insurance, you’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. General liability insurance for welders might be required for a welder license in your state, and it’s common for clients to ask for proof of coverage. General liability includes contractors’ E&O, or professional liability coverage, which can help cover costs in a business disagreement.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Contractors’ E&O

Coverage against business mistakes and claims of negligence

Errors and omissions insurance (also known as professional liability) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of using the wrong gauge of steel for a fabrication project, your policy could help cover related expenses.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage for welding business activities, such as transporting your gear or materials.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Tools & Equipment

Protection for your gear and equipment

Tools and equipment coverage makes sure your welding gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t own or lease property and regularly take expensive gear to a job site, tools & equipment insurance offers protection against damage or theft. This coverage is available as an add-on to our general liability insurance.

inland marine can help you pay for:

Equipment owned by you

Employee tools and clothing

Borrowed equipment

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your business equipment, inventory and your building if you own it. If you own real estate where you store your welding equipment, commercial property insurance provides coverage for your equipment while it’s on the premises, as well as for the building itself.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

What customers say about us

Excellent to deal with

Excellent

Gage G.

Field manager/Owner

Easy to obtain

Dingbobga F.

Simple and fast

The system is very simple and have all what we need to know.

Manuel B.

Great product

Was needing a quick quote and Next did that for me. Thanks for helping out.

Nick B.

Excellent

Great how you can actually get a direct quote and purchase immediately

Juan I.

Customer service

They have been very helpful. No long waiting on the phone, very friendly and professional.

Robert M.

Insurance Certs

First time requesting ins certa be sent to our clients. Very easy to maneuver!

William B.

Very helpful

Very helpful Short and sweet into the point.

Herbert L.

It’s been great so far

Brandon T.

Fast and Easy

All in all, fast and easy. Literally took me no more than 10 minutes. Finding welding GL isn’t easy and this was. 👍🏽

Daniel M.

Welder insurance that covers all your needs

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$300,000

Commercial Property

Per occurrence

$25,000

Pro

How much does welding insurance cost?

Welding insurance coverage costs vary based on the risks that your business faces, such as:

The types of projects you work on
Where your projects are located
The types of vehicles you use at work

Welders typically pay more for basic coverage than other types of professions due to the risks involved.

Welder insurance requirements

Welders are often required to have insurance due to the risk of injury and property damage. You might need insurance to:

Get a welding license in your state.
Start work on a project. Clients might ask you to have active insurance — usually general liability — before you can work at their property.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance and personal auto policies might not cover business driving.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about business insurance

Here are some of the most common questions we get about welder insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect welders?

Our welding business insurance packages are designed to protect you from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:

Damage to someone’s property

Heat from your weld causes your client’s steel plate to warp. The general liability coverage in your insurance package could help pay for a replacement or repair.**

Accidents that hurt someone

Someone doesn’t see safety signage at your job site, trips over your welder extension cord and breaks their leg. Your general liability coverage could also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

The foreman of a building site accuses you of doing a poor weld and causing cold cracks that can need to be redone. E&O coverage helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Injuries and damage involving your business vehicles

You back into a fence in your work truck and your bumper falls off. Commercial auto coverage can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Theft or damage to your tools

A bad connection fries the electrical components of your welder. The tools and equipment insurance that is optional with your general liability coverage can help pay for replacement and repair costs.

Damage to your own property

Thieves break into your storage space and steal expensive equipment. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.