Business Insurance for Welders

As you are familiar with metal work you know that while ” almost anyone” can do a bit of “stick” welding themselves it takes an expert to TIG weld, MIG weld or Flux Cored Arc weld.

It’s a bit the same with finding suitable public liability and business insurance to cover your welding risks properly.

As a business in the metal works industry, you can try “do it yourself” business insurance with a generalist insurance company it makes sense that a business insurance broker that specialises in finding suitable policies for tradespeople every working day is well positioned to source competitive quotes for you to cover your welding business risks.

At SMART we can’t help you with the cutting, shaping, joining, fusing, grinding, soldering or metal shaping but we CAN help you with insurance cover for your metal fabrication or welding business.

What are the insurance requirements for self-employed welders and small welding businsses. Below are some types of cover for welding business owners to consider.

• Public Liability :– eg: someone gets burnt by hot sparks, trips over debris, materials or tools on the floor or you accidently damage a client’s or their neighbours property.
• Business insurance pack – you may be able to combine multiple covers in a specially designed policy for a small welding business. Ask your SMART broker for details.
• Marine cargo – cover if you receive or send goods such as welding materials via post or freight.
• Professional Indemnity – if you provide professional advice or a fee.
• Commercial motor – may cover any vehicle – car, van , light truck – that you own and use mainly for business.
• Personal Accident and Sickness – to protect your personal income if you can’t work for an extended period.
• Tool insurance – Without tool insurance, you will have to dig into your own savings or borrow money to get  your welding equipment and tools replaced or repaired.
• General property insurance is the name of the policy that may cover damage or loss to carpenters tools and business equipment such as, mobile, computers and power equipment.

Trying to work out what insurance your welding business needs? Talk to a SMART business insurance specialist on 130 542 573 to discuss welders public liability and business insurance cover TODAY.