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"My broker explained everything in detail, and now we're correctly covered."
At Primo, we like all our clients to feel this way

Comprehensive Welder's Insurance Solutions

Insurance for Static and Mobile Welding Contractors.

Welcome to Primo, your trusted partner for comprehensive insurance solutions tailored specifically for welders across the UK. Whether you work with oxy-acetylene, arc, mig, or tig equipment, our insurance cover extends to protect you in various environments, whether workshop-based or mobile.

Understanding Welding Contractors Insurance

At Primo, we don't just see welders as a category, we see you as individuals with unique needs. We recognise the distinct needs of welders and welding contractors. While some brokers may lump welders into broader categories like steel fabricators, we understand the nuances. Welders often work with various metals and alloys in multiple projects and locations, necessitating specific and tailored insurance cover.

Tailored Cover for Your Business

Our welder's insurance is designed to address the unique risks welding businesses face. For instance, we cover potential damages to your equipment due to fire, theft, or accidental damage. Our specialised brokers ensure you receive the correct cover for your operations, whether you work independently or as part of a larger welding team. We understand the potential crossovers between welding and related trades, and our expertise spans both areas to provide you with comprehensive protection.

Diverse Work Environments Covered

Welding encompasses a wide range of tasks and environments. Whether you operate from a workshop, are mobile, or work on client premises and construction sites, insurance options can be tailored to your business needs.

Insurance Cover:

  • Public Liability Insurance:

    Cover Details: Protects against financial losses due to damage or injury to third parties, such as clients, pedestrians, or property owners, caused by your welding operations.
  • Employer's Liability Insurance:

    Cover Details: Covers compensation costs and legal expenses if your employees suffer injuries, illnesses, or accidents directly related to their work activities.
  • Business Interruption Insurance:

    Cover Details: Provides financial protection against income losses and ongoing expenses if your business operations are interrupted or temporarily halted due to a covered peril, such as fire, flood, or theft.
  • Contract Works Insurance:

    Cover Details: This insurance covers ongoing projects, including materials, tools, equipment, and work in progress against risks such as fire, theft, or accidental damage until completion.

Cover Extension Options:

  • Own Plant and Tools Insurance:

    • Cover Details: Protects your owned welding equipment, machinery, and tools against theft, damage, or breakdowns during operations.
    • Importance: Welding equipment can be expensive and crucial to daily operations, so this cover ensures that your business can recover swiftly from unexpected equipment-related losses.
  • Employee's Tools Insurance:

    • Cover Details: Extends cover to tools and equipment owned by your employees, ensuring they are protected while on the job.
    • Importance: Providing cover for employees' tools fosters a sense of security among your workforce and ensures they can confidently perform their duties.
  • Hired-in Plant Insurance:

    • Cover Details: This policy provides insurance for machinery or equipment hired specifically for welding projects, safeguarding against unexpected losses or damages.
    • Importance: When renting specialised equipment for specific projects, this cover mitigates the financial risks associated with damage, theft, or breakdowns of hired equipment.
  • Temporary Buildings Insurance:

    • Cover Details: Covers temporary structures used in welding operations, such as on-site workstations or storage facilities, against perils like fire, storms, or vandalism.
    • Importance: Many welding projects involve on-site setups or temporary structures. This cover protects your temporary facilities and assets during project execution.
  • Architects Plans Insurance:

    • Cover Details: Protects architectural plans, designs, or specifications related to welding projects, ensuring continuity and financial protection in case of document loss or damage.
    • Importance: Accidents or incidents leading to the loss of crucial project plans or designs can cause delays and financial losses. This cover safeguards your intellectual property and project documentation.
  • Materials Insurance:

    • Cover Details: Covers raw materials, consumables, or stock used in welding projects, protecting against losses due to theft, damage, or spoilage.
    • Importance: Materials are significant investments in welding projects. This cover ensures that your materials inventory is protected against various risks, allowing you to complete projects efficiently.

Why Choose Primo?

  • Expertise:

    Our brokers have extensive experience in the welding and metalworking industries, understanding welders' specific risks and cover needs. Our industry knowledge and expertise provide the most comprehensive and tailored insurance solutions.
  • Tailored Solutions:

    We customise insurance plans to suit your business size, operations, and risk profile, ensuring you get the right coverage without unnecessary costs.
  • Rest assured:

    In the event of a claim, our team provides dedicated support. We're not just here to sell you insurance but to be your advocate. We'll guide you through the claims process, liaise with insurers, and always advocate for your best interests.

Get in Touch

Protect your welding business with insurance solutions designed to address industry-specific risks comprehensively. To get started, simply contact Primo today for a personalised consultation.

Our team will guide you through the process, understanding your business needs and tailoring the insurance cover accordingly. Let us safeguard your business, equipment, and projects with tailored insurance cover backed by industry expertise.

Trust Primo for reliable insurance solutions tailored to your welding business needs.

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Straightforward
Simply fill out our quote form with as much detail as possible. Once our brokers receive your form they will begin the quote process.
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Questions
Your assigned broker is happy to answer your concerns. Alternatively check out the FAQ directly below.
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Protected
Okay so you're all covered, that peace of mind is great. But should you ever require our help further request a callback.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
Simply fill out our quote form with as much detail as possible. Once our brokers receive your form they will begin the quote process.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker will always be happy to answer your questions and concerns. Alternatively Please take a look at the FAQ directly below.
Chalkboard with consulting written across the middle.
Protected
Excellent, you're all covered, that peace of mind is great, one less thing to worry about. But should you ever require our help further request a callback.

Welders' Insurance FAQ:
Comprehensive Cover for Welding Contractors | Primo

What types of insurance should welding contractors in the UK consider?
Welding contractors in the UK should consider several types of insurance to adequately protect their business. These include public liability insurance, employers' liability insurance, professional indemnity insurance, commercial vehicle insurance, and possibly tools and equipment insurance.
How does public liability insurance for welding contractors in the UK differ from other types of insurance?
Public liability insurance covers the cost of a successful compensation claims if a third party is unintentionally injured or their property is damaged because of your business activities. For welding contractors, this could include accidental fires caused by welding work or damage to a client's property due to welding operations.
Why is employers' liability insurance crucial for welding contractors in the UK?
(EL) Employers' liability is a legal requirement for UK businesses with employees that are non-family and if you don't have another exemption. It covers the cost of successful compensation claims made by employees injured or ill because of their work. This insurance is essential to protect employees and the business for welding contractors, where the risk of workplace injuries can be higher.
What key considerations should I look at when choosing professional indemnity insurance for welding contractors in the UK?
Professional indemnity insurance protects against negligence claims or mistakes in your professional services. For welding contractors, this could include errors in welding specifications or faulty welding work, leading to a client's financial loss. Key considerations include:
  • Cover Limits
  • Retroactive Cover for Past Work
  • Any Specific Exclusions Related to Welding Activities
How does commercial vehicle insurance benefit welding contractors in the UK?
Commercial vehicle insurance covers road legal vehicles used for business purposes, including vans or trucks used to transport welding equipment and materials. In the UK, this insurance is essential for complying with legal requirements and protects against vehicle accidents, theft, and damage.
Are there specific insurance requirements for welding contractors in the UK working on construction sites?
Yes, welding contractors working on construction sites in the UK must comply with specific insurance requirements. These typically include public liability insurance with minimum coverage limits, employers' liability insurance, and often contract works insurance to cover materials, tools, and equipment on-site.
How can UK welding contractors ensure adequate liability limits in their insurance policies?
Welding contractors in the UK should carefully assess their business risks and consult with insurance professionals to determine appropriate liability limits. Factors such as the scale of operations, project sizes, and contractual requirements should all be considered when setting liability limits.
Are there any exclusions or limitations in standard insurance policies for welding contractors in the UK?
Standard insurance policies for welding contractors in the UK may have exclusions or limitations related to hazardous activities, such as underwater welding, work at extreme heights, or welding involving certain dangerous materials. Contractors should review policies carefully and seek additional cover if necessary.
Can welding contractors in the UK obtain insurance cover for tools and equipment used in their business?
Yes, welding contractors can purchase tools and equipment insurance to protect you financially against theft, damage, or loss of their welding tools, machinery, and equipment. This cover is crucial for maintaining business continuity in case of unexpected events.
How does insurance cover differ for mobile welding contractors in the UK compared to those with a fixed location?
Mobile welding contractors in the UK may have additional insurance needs for vehicles and equipment in transit. They may also require public liability insurance covering work at various client locations. In contrast, welding contractors with a fixed location may focus more on property insurance.
What steps can welding contractors in the UK take to lower their insurance premiums?
Welding contractors in the UK can lower their insurance premiums by implementing robust health and safety practices, providing regular staff training, maintaining a claims-free record, reviewing and adjusting cover limits as needed, and considering voluntary excesses to reduce premiums.
Are there specific insurance cover for welding contractors in the UK working in hazardous environments, such as industrial plants or construction sites?
Yes, welding contractors in the UK working in hazardous environments may need specialised insurance cover such as pollution liability insurance, environmental impairment liability insurance, or excess liability insurance due to the increased risks associated with these environments.
Can welding contractors in the UK adjust their insurance cover as their business grows or changes?
Yes, welding contractors in the UK should regularly review and adjust their insurance cover as their business evolves. This includes updating cover for new equipment, expanding services, hiring employees, or taking on larger projects to ensure adequate protection against potential risks.
How does insurance cover for welding contractors in the UK differ from other construction-related trades?
Insurance cover for welding contractors in the UK may focus more on specific risks related to welding activities, such as fire hazards, fume exposures, and equipment malfunctions. Tailored insurance solutions can address these unique risks compared to broader construction-related insurance.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
Simply fill out our quote form with as much detail as possible. Once our brokers receive your form they will begin the quote process.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker will always be happy to answer your questions and concerns. Alternatively Please take a look at the FAQ directly below.
Chalkboard with consulting written across the middle.
Protected
Excellent, you're all covered, that peace of mind is great, one less thing to worry about. But should you ever require our help further request a callback.

Help With Choosing the Correct Insurance Cover for Your Business.

Guidance for Navigating the Insurance Maze: Selecting the Right Coverage for Your Business Needs
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Contract Works

Some projects you undertake will make you responsible for partially completed work. For instance, you're in the middle of painting a house, and a storm destroys the work you have done contract works insurance could cover the cost of redoing that work. Your broker will help you determine the right level of cover needed.

Own Plant & Tools

Provided cover is for the replacement of your tools, plant and equipment due to theft, loss or damage.
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Employees Tools

Covers the cost of replacement of employees tools which have been stolen, lost or damaged. The amount covered may be for a fixed amount and will depend on the insurer.
Covers the replacement value of hired-in plant and equipment. Hire companies will normally insist on some type of cover to be in place before hire commences.
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Temporary Buildings

Whether it's a portacabin or a row of portaloos these are considered temporary buildings. Temporary buildings covers loss or damage to these temporary structures and may cover any plant or tools stored in them.

Architects Plans

Covers the cost of replacement due to loss or damage of architects drawings. Usually covered as part of a contractors all risks policy.
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Materials

The materials you use on site can be expensive to replace, so ensuring your sums insured covers the replacement cost of your materials is essential. Typically materials will be covered under a contractors all risks policy.

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