Welding Contractor Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Welding contractor insurance is a specialized commercial insurance that’s designed to meet welders’ risk mitigation needs. The insurance won’t prevent something bad from happening, but it may provide financial resources in the event of a covered incident.

Most businesses that offer welding services in Massachusetts can likely benefit from having welder insurance in place. This includes welders who perform automotive repairs, work on new building construction projects, work on marine construction projects, work on pipe projects or do similar sorts of work.

Business Personal Property Coverage
Inland Marine Coverage
uilders Risk Coverage

What is Welding Contractor Insurance?

Welding work comes with certain risks, and it’s important to protect against those risks whenever possible. In addition to following all applicable safety standards, another way welders in Massachusetts can protect themselves is by purchasing welding contractor insurance.

What Massachusetts Businesses is Welder Insurance Right For?

In some cases, businesses might weld parts and do other work. For example, new home builders might employ welders alongside carpenters, electricians and other workers.

When this is the case, businesses should speak with an insurance agent who specializes in welder insurance policies. A specialized agent will know whether welder insurance or another insurance option is more suitable for a particular multifaceted business.

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Winchester, MA
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Mark Anderson

Marketing Director

What Coverages Do Welding Contractor Policies Offer?

Most welding contractor policies are written as package policies, which means they contain multiple coverages within them. This can allow policies to cover against multiple and very different risks. The specific coverages found within welding policies generally break down into property coverages and liability coverages.

Property coverages normally protect the things that a business owns. Some property coverages that welders commonly need are:

Business Personal Property Coverage, which may cover equipment, tools and supplies when they’re at a business’s facility
Inland Marine Coverage, which may cover equipment and tools when they’re transported to and from work sites
Builders Risk Coverage, which may cover equipment and tools while they’re at work sites
Equipment Breakdown Coverage, which may cover essential equipment in the event of a malfunction
Employee Dishonesty Coverage, which may cover employee theft

Liability coverages normally protect against incidents that a business could be held financially responsible for. Some liability coverages that welders commonly need are:

General Liability Coverage, which may cover common accidents and basic defamation lawsuits
Auto Liability Coverage, which may cover accidents employees are in while they’re driving for work
Completed Operations Liability Coverage, which may cover malfunctions in work that’s been completed
Umbrella Liability Coverage, which may provide a supplemental layer of liability protection

Auto liability coverage can frequently be expanded into a commercial auto coverage that also protects business-owned vans and trucks against damage.

Do Welders Who Work as Subcontractors Need Their Own Insurance?

Welders who perform work as subcontractors may receive some insurance coverage from their hiring contractor. Not all hiring contractors extend coverage, though, and those that do might not offer all of the protections that welders need. After all, welders have some unique risk considerations that many general contractors don’t have.

Because suitable coverage isn’t always provided by a hiring contractor, subcontracting welders are often wise to procure their own insurance. An insurance agent who specializes in welder policies can help welding contractors review their particular situation, and obtain any coverage that they might want or need.

How Can Welders in Massachusetts Get Welding Contractor Insurance?

For help insuring a Massachusetts welding business, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents can show you policy options from many insurance companies in the state, and we have the professionals necessary to help you select the best welding contractor insurance policy for your business.

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This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.