Novatae Risk Group offers a focused General Liability Insurance program built for welding contractors and small to medium-sized welding shops. Whether your client is a solo welder, runs a small crew, or manages a growing shop, this program addresses the specific liabilities tied to welding work — from on-site injuries and third-party property damage to equipment exposures and completed operations risks.
Through our partnership with Empire Underwriters and access to an “A”-rated carrier panel, Novatae provides agents with responsive underwriting, tailored coverage options, and the market flexibility needed to place challenging welding risks. Submit welding contractor accounts to Novatae and leverage our underwriting depth and carrier relationships to get deals placed faster.
Program Overview
This General Liability program is designed for welding contractors working on residential and commercial construction projects. We focus on accounts with annual payrolls up to $1,000,000 and provide protection for common welding exposures, including third-party bodily injury, property damage, and completed operations liability.
Target Accounts
Ideal insureds include:
- Independent welders and small welding shops
- Contractors performing work on new residential or commercial construction (including single-family homes)
- Repair, remodel, and service welding contractors
You might have a client who performs steel frame welding for home additions, or a mobile welder who services commercial properties — these are the types of accounts that fit well in this program.
Ineligible Risks
- New construction of condominiums, condominium conversions, and townhouses (some exceptions may apply)
- Projects involving structures over three stories (some exceptions may apply)
Coverage Features
- Blanket Additional Insured
- Waiver of Subrogation
- Primary and Non-Contributory wording
- Per Project Aggregate limits
- Subsidence coverage (with limitations)
- Coverage for Prior Projects (with limitations)
Submission Requirements
- Completed ACORD applications
- Currently valued loss runs (3–5 years)
- Supplemental application
- Project-specific pollution application (if applicable)
Minimum Premium and Availability
Minimum premium for the program starts at $1,500. The program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. We place business through both admitted and non-admitted markets, with carrier ratings available up to A-XV to give you broader placement options.
Why Work With Novatae Risk Group?
As a wholesale broker specializing in niche construction and contractor programs, Novatae Risk Group offers underwriting expertise, targeted appetite, and strong carrier access for welding risks. Our team works with agents to evaluate exposures quickly, advise on risk mitigation, and secure tailored General Liability solutions — especially for accounts that can be difficult to place in standard markets.
Do you need a General Liability quote for a Welding Contractor account?
Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak with an underwriter immediately.
Frequently Asked Questions
What types of accounts are a good fit for this welding insurance program?
This program is ideal for small to medium-sized welding contractors with less than $1 million in annual payroll who work on residential or commercial construction projects, including repairs and remodels.
Are there any types of welding projects that are excluded?
Yes. New construction of condominiums, townhouse developments, and projects involving buildings over three stories are generally ineligible, though underwriters may consider exceptions on a case-by-case basis.
What states is this program available in?
The program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV.
What coverages are included in the welding contractor insurance package?
Key coverages include General Liability with options for Blanket Additional Insured, Waiver of Subrogation, Per Project Aggregate limits, and limited cover for subsidence and prior projects.
What is the minimum premium for this program?
The program's minimum premium starts at $1,500 for eligible welding contractor accounts.
Need help placing an account? Connect with a market specialist.