Welding insurance

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10% of customers pay the equivalent of £4.95 a month*

Welder working on metal structure

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Welding insurance – 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 4.6/5 based on 39.9K 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.

  • Public liability insurance for welders

    In case someone is injured or their property gets damaged, because of your welding business.

  • Employers’ liability insurance

    In case an employee gets sick or injured because of working for you.

  • Business and office equipment insurance

    In case things like laptops or office filing cabinets are lost, stolen, or damaged.

  • Tools insurance

    In case your welding tools are lost, stolen, or damaged.

  • Stock insurance

    In case something happens to the welding stock you keep in supply.

  • Legal expenses insurance

    In case you’re faced with legal costs in connection with your welding business.

  • Personal accident insurance

    In case anyone you’ve covered is accidentally injured, at or outside of work.

  • Public liability insurance for welders

    In case someone is injured or their property gets damaged, because of your welding business.

    What’s typically covered by public liability insurance?

    Claims against your business for:

    • damage to someone’s property, caused by your work
    • injuries caused by your business activities
    • accidental damage or injury caused by your employees, if you have any

    For example:

    • a customer gets an electric shock while going over work in progress with you
    • a spark from your working area burns your customer’s wooden coving

    If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

    Read more about public liability insurance

  • Employers’ liability insurance

    In case an employee gets sick or injured because of working for you.

    What’s typically covered by employers’ liability insurance?

    Claims against your business for:

    • an employee, including a contractor or casual labourer, suing you after falling ill because of working for your welding business, or
    • making a claim for an injury they’ve had while working for you

    **Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

    For example:

    • your apprentice burns their arm while training with you, and raises a claim
    • a former employee brings a claim against you for an eye injury sustained while working for you

  • Business and office equipment insurance

    In case things like laptops or office filing cabinets are lost, stolen, or damaged.

    What’s typically covered by business and office equipment insurance?

    • theft, flood, fire, or accidental damage to the equipment you use to run your welding business
    • operational equipment like your laptop, rather than the trade tools you take out and about

    For example:

    • your employee drops your phone from a height, damaging it beyond repair
    • a fire in your small rented garage damages your new laptop, which you use for work

    Read more about business and office equipment insurance

  • Tools insurance

    In case your welding tools are lost, stolen, or damaged.

    What’s typically covered by tools insurance?

    • loss, damage, or theft of your hand tools, power tools, and specialist welding equipment

    For example:

    • you buy new tools for a bigger commercial job and these are damaged in a flood over the weekend
    • you invest in three new welders for the team which are stolen from your locked garage during the Christmas holidays

    Read more about tools insurance

  • Stock insurance

    In case something happens to the welding stock you keep in supply.

    What’s typically covered by stock insurance?

    • loss, damage, or theft of your work materials, or items you’re planning to sell

    For example:

    • your stock of screens, wire, and gas are destroyed in a fire at your garage unit
    • a large order of steel electrodes are stolen from the back of your business partner’s truck

    Read more about stock insurance

  • Legal expenses insurance

    In case you’re faced with legal costs in connection with your welding business.

    What’s typically covered by legal expenses insurance?

    • legal costs attributed to your welding business
    • property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
    • tax and compliance disputes and investigations you need help with
    • includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis support to help you protect your reputation as a trusted trade professional

    For example:

    • your contractor disputes their agreement with you, and you need pay for legal services
    • an employee sues you for unfair dismissal, and you need to recover legal costs

    Read more about legal expenses insurance

  • Personal accident insurance

    In case anyone you’ve covered is accidentally injured, at or outside of work.

    What’s typically covered by personal accident insurance?

    • accidental injury or death at work or elsewhere, for anyone covered on the policy
    • lost income, medical costs, and hospitalisation benefit

    For example:

    • you fall off your tower and break your knee, keeping you off work for six weeks
    • an employee breaks their hand while playing squash, and needs time off work during a busy period

    Read more about personal accident insurance

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 £4.95 per month

Get tailored quotes in 7 minutes – prices are guaranteed for 30 days.

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The price is for up to £2 million of public liability insurance – 10% of customers paid £59.34 or less annually between 1st Feb – 30th April 2025. Equivalent to £4.95 a month (and excludes the extra costs for paying monthly). 82% of customers have a £1 million limit and 18% £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

£11.62 /month

£116.17 /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

£113.33 /month

£1,333.28 /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

£10,000

How we work out example quotes These examples are real quotes from our online system (created 17/03/2025). 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.

How it works

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Only pay for what you need

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Choose the best fit for you

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Start your quote

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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

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FAQs

Find answers to common insurance questions

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.

£68 million in claims paid out in 2024

76% of claims were settled in 2024.

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 26/02/2025.

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

Phil’s costs

£100

The excess amount stated in Phil’s policy terms

Chosen by nearly one million small business and landlord customers

We started out as a team of five back in 2005. We’ve grown since then, with nearly a million customers across 1,500 trades now trusting us to provide their business insurance.

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Based on 39.9K Feefo reviews

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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.

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 coverLowest excessHighest excess
Public liability£100£2500
Employers’ liabilityNo excessNo excess
Tools£60£500
Business and office equipment£50£750
Professional indemnityNo excess£2500
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.

Make sure you’re picking the right cover to protect you properly. It’s important to know that if you have another trade or job, you’ll need additional cover. For example, do you need to consider heating engineer insurance or engineering consultant insurance?

If you provide other services, make sure you’re covered:

Other types of insurance

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