Welding insurance
Join over 900k UK customers (including over 220,000 tradespeople like you) – we offer public liability cover from £4.74*
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
Insurance for welders – why is it important?
From employer and tools protection to public liability insurance, welding professionals rely on expert, comprehensive business insurance. It’s a backstop for the common risks you face, letting you focus on the job, not the what-ifs. Third party property damage and injuries, an employee claim, equipment theft, and personal accidents – tell us about your business and add the covers you need.
- mobile welding insurance, or cover on your premises
- product and public liability between £1 million and £5 million
- rated 4.8/5 based on 39K+ public liability customer reviews
What does welders insurance cover?
You know your trade best, so we let you design a bespoke policy, focusing on the cover you need. Public liability insurance is often a priority for our welding business customers, and employers’ liability cover is usually a legal requirement, if you’ve hired anybody. From there, you can add cover for your specialist tools and equipment, or our own personal accident protection.
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Public liability insurance for welders
In case someone is injured or their property gets damaged, because of your welding business.
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Employers’ liability insurance
In case an employee gets sick or injured because of working for you.
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Business and office equipment insurance
In case things like laptops or office filing cabinets are lost, stolen, or damaged.
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Tools insurance
In case your welding tools are lost, stolen, or damaged.
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Stock insurance
In case something happens to the welding stock you keep in supply.
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Legal expenses insurance
In case you’re faced with legal costs in connection with your welding business.
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Personal accident insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does welding business insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example welding insurance quotes, real prices
£14.88 /month
£128.78 /year
A self-employed welder who works locally and does not undertake oxyacetylene welding
- 1-2 years’ experience
- Sole trader
- No employees
- Based in Bristol
Public liability
£1,000,000
Employers’ liability
Not included
Tools
Not included
£209.43 /month
£1861.57 /year
A small limited welding company who work on medium-sized contracts (residential and commercial)
- 5+ years’ experience
- Limited company
- 2 employees
- Based in Cardiff
Public liability
£2,000,000
Employers’ liability
£10,000,000
Tools
£8,000
How we work out example quotes These examples are real quotes from our online system (created 09/06/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
What kind of excess should I expect?
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
|---|---|---|
Public liability | £100 | £2500 |
Employers’ liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
How it works
Pick what goes into your policy
Only pay for what you need
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Choose the best fit for you
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How do I choose insurance?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
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Is public liability enough for third party property damage?
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Can I just cover my most expensive tools?
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Which type of workers do I need insurance for?
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Will tools insurance cover all my equipment?
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Does welders insurance cover my work correctly?
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Do I need cover for other types of work?
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Which public liability cover limit should I choose?
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
Call our team
How do claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Example claim
Having welding insurance through Simply Business has saved metal professionals thousands of pounds when the unexpected happened.
Phil saved more than £11,600
Phil (not his real name) and two colleagues were carrying steel bars weighing approximately 200kg, as part of his day-to-day work. He felt a sharp pain in his hand and went to hospital, where he was signed off work for two weeks.
Insurance payout
£11,631.50
Covering the cost of personal accidents
Insurance payout
Covering the cost of personal accidents
Covering the cost of personal accidents
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
Welder insurance FAQ
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about business insurance for welders. You can also check out our business insurance FAQs.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 043 8527 to update your policy before you take on this new work. If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.
If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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