Welding business insurance averages $151 monthly, with costs ranging from $100 to $283 based on coverage types and your location.
Get matched with cheap welding business insurance below.
Updated: October 16, 2025
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Welding business insurance costs between $1,203 and $3,399 per year on average, based on your coverage needs, location and business type.
Your welding insurance rates depend on where you operate, past claims, the services you provide and how many employees you have.
Shop multiple business insurers, combine policies, raise your deductibles and pay yearly to reduce your welding business insurance expenses.
We found average business insurance costs for welding companies for commonly needed coverage are as follows:
| BOP | $244 | $2,928 |
| General Liability | $166 | $1,987 |
| Professional Liability (E&O) | $77 | $923 |
| Workers' Comp | $117 | $1,406 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
Your welding business insurance cost for general liability coverage depends on where you operate. Maine offers the best value at $144 monthly compared to the $166 national average, while New York costs $193 monthly.
| Alabama | $162 | $1,944 |
| Alaska | $151 | $1,812 |
| Arizona | $157 | $1,885 |
| Arkansas | $159 | $1,907 |
| California | $185 | $2,215 |
| Colorado | $164 | $1,972 |
| Connecticut | $180 | $2,160 |
| Delaware | $178 | $2,130 |
| Florida | $179 | $2,152 |
| Georgia | $168 | $2,020 |
| Hawaii | $173 | $2,073 |
| Idaho | $157 | $1,885 |
| Illinois | $182 | $2,183 |
| Indiana | $162 | $1,939 |
| Iowa | $158 | $1,893 |
| Kansas | $161 | $1,931 |
| Kentucky | $154 | $1,847 |
| Louisiana | $187 | $2,241 |
| Maine | $144 | $1,723 |
| Maryland | $158 | $1,897 |
| Massachusetts | $174 | $2,086 |
| Michigan | $157 | $1,883 |
| Minnesota | $155 | $1,865 |
| Mississippi | $166 | $1,998 |
| Missouri | $163 | $1,960 |
| Montana | $165 | $1,979 |
| Nebraska | $157 | $1,881 |
| Nevada | $188 | $2,255 |
| New Hampshire | $165 | $1,977 |
| New Jersey | $188 | $2,253 |
| New Mexico | $167 | $2,000 |
| New York | $193 | $2,313 |
| North Carolina | $144 | $1,723 |
| North Dakota | $144 | $1,729 |
| Ohio | $154 | $1,845 |
| Oklahoma | $155 | $1,860 |
| Oregon | $154 | $1,847 |
| Pennsylvania | $191 | $2,294 |
| Rhode Island | $182 | $2,185 |
| South Carolina | $171 | $2,048 |
| South Dakota | $155 | $1,859 |
| Tennessee | $162 | $1,939 |
| Texas | $167 | $2,006 |
| Utah | $158 | $1,893 |
| Vermont | $159 | $1,909 |
| Virginia | $151 | $1,810 |
| Washington | $188 | $2,261 |
| West Virginia | $174 | $2,086 |
| Wisconsin | $163 | $1,951 |
| Wyoming | $153 | $1,839 |
Note: We based these general liability rates on welding businesses with two employees across different states. Your rates will vary based on your location, claims history and the services you provide.
Your welding business's cost of workers' compensation insurance depends on your state. North Carolina has the most affordable rates at $100 monthly, while New York reaches $137. State regulations and historical claim patterns drive these pricing differences across the country.
| Alabama | $115 |
| Alaska | $107 |
| Arizona | $111 |
| Arkansas | $112 |
| California | $131 |
| Colorado | $116 |
| Connecticut | $127 |
| Delaware | $126 |
| Florida | $126 |
| Georgia | $118 |
| Hawaii | $122 |
| Idaho | $110 |
| Illinois | $128 |
| Indiana | $113 |
| Iowa | $113 |
| Kansas | $113 |
| Kentucky | $110 |
| Louisiana | $133 |
| Maine | $102 |
| Maryland | $111 |
| Massachusetts | $122 |
| Michigan | $111 |
| Minnesota | $111 |
| Mississippi | $118 |
| Missouri | $116 |
| Montana | $117 |
| Nebraska | $112 |
| Nevada | $132 |
| New Hampshire | $116 |
| New Jersey | $132 |
| New Mexico | $118 |
| New York | $137 |
| North Carolina | $100 |
| Oklahoma | $110 |
| Oregon | $108 |
| Pennsylvania | $135 |
| Rhode Island | $128 |
| South Carolina | $121 |
| South Dakota | $109 |
| Tennessee | $114 |
| Texas | $118 |
| Utah | $113 |
| Vermont | $113 |
| Virginia | $105 |
| West Virginia | $122 |
| Wisconsin | $115 |
Note: We based these workers' comp rates on welding businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.
Your professional liability cost will vary by state. Nationwide, this coverage averages $77 monthly. Maine offers the most affordable rates at $66 monthly, while New York has the highest costs at $90 monthly.
| Alabama | $78 |
| Alaska | $69 |
| Arizona | $75 |
| Arkansas | $74 |
| California | $85 |
| Colorado | $76 |
| Connecticut | $85 |
| Delaware | $82 |
| Florida | $84 |
| Georgia | $80 |
| Hawaii | $80 |
| Idaho | $72 |
| Illinois | $84 |
| Indiana | $74 |
| Iowa | $73 |
| Kansas | $74 |
| Kentucky | $72 |
| Louisiana | $87 |
| Maine | $66 |
| Maryland | $73 |
| Massachusetts | $81 |
| Michigan | $73 |
| Minnesota | $73 |
| Mississippi | $78 |
| Missouri | $77 |
| Montana | $77 |
| Nebraska | $73 |
| Nevada | $88 |
| New Hampshire | $75 |
| New Jersey | $87 |
| New Mexico | $79 |
| New York | $90 |
| North Carolina | $67 |
| North Dakota | $68 |
| Ohio | $71 |
| Oklahoma | $71 |
| Oregon | $71 |
| Pennsylvania | $90 |
| Rhode Island | $85 |
| South Carolina | $78 |
| South Dakota | $70 |
| Tennessee | $76 |
| Texas | $78 |
| Utah | $74 |
| Vermont | $75 |
| Virginia | $70 |
| Washington | $86 |
| West Virginia | $79 |
| Wisconsin | $74 |
| Wyoming | $70 |
Note: We based these professional liability rates on welding businesses with two employees across different states. Your actual rates will depend on your services offered and location.
Welding business insurance costs vary based on your state's regulations and risk factors. BOP insurance cost ranges from $210 in North Dakota to $283 in New York for the same coverage levels.
North Dakota offers the most affordable rates for welding operations, while New York commands premium pricing. This $73 monthly difference adds up to nearly $900 annually between the cheapest and most expensive states for identical protection.
| Alabama | $235 |
| Alaska | $220 |
| Arizona | $231 |
| Arkansas | $230 |
| California | $278 |
| Colorado | $241 |
| Connecticut | $266 |
| Delaware | $256 |
| Florida | $261 |
| Georgia | $246 |
| Hawaii | $258 |
| Idaho | $233 |
| Illinois | $263 |
| Indiana | $235 |
| Iowa | $237 |
| Kansas | $238 |
| Kentucky | $226 |
| Louisiana | $278 |
| Maine | $220 |
| Maryland | $233 |
| Massachusetts | $255 |
| Michigan | $233 |
| Minnesota | $224 |
| Mississippi | $245 |
| Missouri | $246 |
| Montana | $241 |
| Nebraska | $238 |
| Nevada | $277 |
| New Hampshire | $243 |
| New Jersey | $280 |
| New Mexico | $243 |
| New York | $283 |
| North Carolina | $213 |
| North Dakota | $210 |
| Ohio | $227 |
| Oklahoma | $226 |
| Oregon | $228 |
| Pennsylvania | $282 |
| Rhode Island | $269 |
| South Carolina | $251 |
| South Dakota | $233 |
| Tennessee | $242 |
| Texas | $252 |
| Utah | $230 |
| Vermont | $230 |
| Virginia | $222 |
| Washington | $280 |
| West Virginia | $251 |
| Wisconsin | $237 |
| Wyoming | $226 |
Note: We based these BOP rates on welding businesses with two employees across different states. Your actual rates will vary based on your business size, location, and coverage needs.
Provider-level welding business insurance costs range from $127 to $176 monthly. These variations stem from each insurer's specific market focus and strategic priorities, which shift based on profitability and coverage expansion opportunities for particular industries.
| Chubb | $176 | $2,108 |
| Coverdash | $153 | $1,832 |
| Hiscox | $155 | $1,856 |
| NEXT Insurance | $132 | $1,585 |
| Nationwide | $163 | $1,951 |
| Progressive Commercial | $156 | $1,875 |
| Simply Business | $158 | $1,901 |
| The Hartford | $127 | $1,522 |
| Thimble | $167 | $2,003 |
| biBERK | $132 | $1,580 |
Your welding business insurance costs depend on multiple factors that insurers review when setting your premium rates.
Industrial concentration and construction activity in your market influence both job availability and risk profiles. Welders serving shipyards, refineries or heavy manufacturing have different exposures than those working residential fabrication shops.
Burns, eye injuries and structural failures from faulty welds create serious liability and workers' comp claims. Previous incidents involving fires, explosions or collapsed structures will keep your insurance costs elevated well beyond the initial incident date.
Shop-based fabrication in controlled environments presents manageable hazards. Field welding on construction sites, inside tanks or at elevated heights introduces confined spaces, fall risks and weather exposure that substantially increase liability.
Welders work with extreme heat, toxic fumes and heavy materials daily. Workers' compensation rates for this trade run higher than average occupations, with premiums climbing alongside every certified welder and helper you employ.
Basic repair work and ornamental fabrication occupy the lower risk end of welding operations. Structural steel work, pressure vessel fabrication or underwater welding push you into specialized categories requiring dramatically enhanced coverage.
Project scope and contract values indicate your potential claim magnitude. Small operations earning $110,000 through repair jobs have entirely different underwriting than established fabricators billing $550,000 on commercial construction projects.
Completed operations coverage protects you long after projects finish since weld failures can emerge years later. Most welders carry $1 million minimum, though structural work or industrial contracts frequently mandate $2-5 million given catastrophic failure potential.
Welding machines, plasma cutters, safety gear and mobile rigs represent capital investments. Companies operating CNC cutting tables and maintaining full fabrication shops need substantially more property coverage than mobile welders with basic portable equipment.
AWS certifications and documented welding procedures demonstrate quality control to insurers. Companies employing certified welders, maintaining weld logs and implementing formal safety protocols secure better rates than those without structured quality assurance.
Reducing your welding business insurance cost starts with strategic shopping and adopting smarter business practices. Use our step-by-step guide to compare options, improve your risk management and get the best coverage for less.
Welding companies need general liability for fire damage, burns to bystanders, and property damage from sparks or slag, professional liability for structural failures from faulty welds and completed operations coverage since weld defects can appear months or years later.
Add commercial auto for mobile welding rigs, inland marine for equipment and gas cylinders, workers' compensation for burn injuries and arc flash exposure, and pollution liability if working with galvanized materials or coatings.
Welding insurance rates vary based on whether you do mobile repairs, structural steel fabrication, or specialized work like underwater or pipeline welding requiring higher liability limits.
Welding-focused insurers understand AWS certifications, fire prevention requirements and hot work permit regulations better than general carriers.
Combining general liability, professional liability, and commercial auto saves 19% to 28% compared to purchasing separately. Many insurers offer welding contractor packages that include equipment and pollution coverage at reduced bundle rates.
Higher equipment deductibles of $2,500 to $5,000 can reduce premiums by 21% to 29%, but consider that welding machines and specialty equipment are expensive to replace.
Monthly payment plans add 6% to 12% in processing fees, which, on a $11,000 welding policy, costs $660 to $1,320 extra annually. Paying annually eliminates these charges and earns 5% to 9% discounts from fabrication carriers.
Review your policy whenever you hire welders, add specialized processes like TIG or orbital welding, or invest in CNC plasma tables or robotic welding systems. If you've obtained AWS certifications, implemented hot work safety programs, or improved fire prevention with welding blankets and screens, these improvements can qualify for premium discounts.
On average, welding business insurance costs $100 to $283 per month. Your actual premium is influenced by your business’s location, size and claims history. To save money, request quotes from several insurers, bundle your policies and consider annual payments or higher deductibles.
Welding business owners commonly ask about insurance costs. We answered the most frequent questions below:
Professional liability (E&O) is the cheapest at $77 monthly, but it covers only errors and omissions. Most welding businesses need general liability coverage ($166 monthly) since it protects against third-party injuries and property damage lawsuits.
You'll pay more in these states. General liability in California runs $185 monthly (versus $166 national average), and BOP costs $278 monthly (versus $244 average). New York is similar at $193 and $283, respectively.
Bundling delivers greater savings compared to purchasing individual policies. Most insurance companies provide discounts when you package general liability, commercial auto coverage and commercial property insurance through a single provider.
Multiple factors increase premiums: working with hazardous materials, operating heavy equipment, previous workplace injuries, high-risk project locations, larger workforce size, and poor safety records.
Higher deductibles reduce monthly premiums but increase out-of-pocket costs during claims. Consider your available cash reserves and anticipated claim frequency when deciding.
Workers' compensation costs for welding businesses vary by state, spanning from $100 monthly in North Carolina to $137 monthly in New York.
Yes, BOP insurance is worth it for welding companies. BOP costs $244 monthly and packages general liability, commercial property and business interruption coverage together. This bundled approach saves money compared to purchasing individual policies while offering welding businesses greater convenience.
Shop annually when your policy renews. Compare quotes from multiple insurers to find substantial savings, especially after adding employees or expanding your welding services.
We collected welding business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
We used a typical small welding business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that serve the welding industry.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
