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Workers' Compensation Insurance for Welders

Policies for Structural and Ornamental Welders

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Why do Welders need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Welding demands precision and involves exposure to heat, fumes, and heavy machinery. Risks include burns, respiratory issues, and repetitive strain injuries. Workers’ comp covers medical bills and lost wages, helping protect your team and keep your operations running smoothly.

Common Welding injuries

Burns – High temperatures and molten metal splatter are frequent risks
Eye injuries (arc eye) – UV radiation from welding arcs can damage the cornea
Respiratory issues – Inhaling fumes and gases leads to long-term health problems
Electrical shocks – Mishandling electrical equipment may cause shocks or electrocution
Hearing damage – Prolonged exposure to loud equipment increases hearing loss risks

Common types of Welder workers we can insure

Fabrication Shops

Ornamental Welders

Pipefitters

Structural Welders

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Welders workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Welder Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Welders cost?

For welders, workers' compensation is approximately $153 per employee each month in 2025, based on $3.97 per $100 of payroll. Learn more by reading Workers’ Comp Rates for Welders 2025.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Welders

Here are the main categories for classifying workers in the welding industry. For more details, visit our guide: Workers’ Comp Class Codes for Welders.

3365 - Welding or Cutting NOC or Drivers

3040 - Iron or Steel Fabrication - Ironworks-Shop-Ornamental and Drivers

0857 - Welding or Cutting NOC or Drivers (PA and DE)

0413 - Iron or Steel Fabrication - Ironworks-Shop-Ornamental and Drivers (PA and DE)

Don't see your business classification?
We're here to help. Call 866-338-8823.

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Helpful tips to save money

Choosing welder workers' comp insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Welder Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Welder Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for Welders

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

Can 1099 welders be excluded from my workers' comp policy?

Yes, 1099 contractors can be excluded from your policy, but only if they have their own workers' compensation insurance. Be sure to collect proof of coverage. Without this, you’ll need to include their payroll in your policy to stay compliant.

As the owner of a welding business, do I need to be included in the workers' comp policy?

Owners can often exclude themselves, depending on their business structure. However, it's worth considering whether this exclusion makes sense, as welding is a high-risk industry. If you’re involved in hands-on welding work, including yourself might provide important protection.

State laws on Workers' Comp for Welders

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
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Choose your state from the dropdown to learn more.

Need other types of insurance for Welders?

Yes, we can help with that too!

Learn more about Welder Insurance

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Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

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Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

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The Ultimate Guide to Workers' Comp Insurance

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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