Welder Business Owners Insurance Risk

A business owners policy for welders keeps you from going bankrupt if and when something happens to your tools and equipment. Even a mere equipment breakdown can shut down your business for days while you wait for replacement parts. And that’s assuming your company can float the costs of replacement or repair.

A business owners policy for mobile welders protects your company from the disaster of losing critical paperwork when a storm blows through. It keeps you from having to pay out of pocket to fix the roof of your offices when the storm takes it too. Business owners insurance for welders provides you with general liability insurance plus a variety of different physical property protections.

Welder Business Owners Insurance

bop insurance quote for welders

A welder business owners insurance policy (BOP) combines many different levels of protection into one customizable shield. It protects the physical assets your company needs – such as buildings, personal property, critical documents and accounts receivables – while also providing all of the protections afforded from a general liability insurance policy.

Business Liability

General liability insurance pays for your legal expenses, losses of income, judgment fees or fines that might arise from general accidents or unexpected events. Within your BOP for mobile welders, you’ll be protected from claims about bodily injuries, property damage, slander, libel, advertising injuries and premises or fire liabilities.

Business Personal Property

Business personal property includes things like tools, inventory, maintenance supplies and office furniture. If any of these items are damaged or destroyed – for example if there is hail storm in your area that damages interior property through broken windows – your welders business owners insurance policy helps pay for the costs of replacing all of these items. Having to repair or replace so many of your business assets at once may prove impossible to do, depending upon how much cash flow you have and how extensive the damages are.

Building and Structures

If a hail storm damages and destroys interior property at your welding company’s shop or offices, it may very well damage the buildings themselves as well. A brief hail storm can punch holes in the roof or a non-weather event can happen, such as a delivery truck backing into the shop wall. When your buildings and structures are damaged or destroyed, the welders BOP or business owner's insurance covers the costs involved with fixing them or getting new ones in place.

Business Income and Expense Coverage

Sometimes damages or disasters cause your company to lose valuable business at the same time you’re encountering extra expenses. Your welders business owners insurance helps with those issues too. It can provide for your lost income and cover your added expenses while you’re getting everything back up and running properly.

Valuable Papers, Documents and Receivables Coverage

A BOP for mobile welders protects you from the financial hardships caused by the loss of valuable papers. When disaster strikes, it could destroy critical papers in your office such as client contracts, custom blueprints for an important welding job, and your client invoice payments or outstanding receivables.

Employee Dishonesty Coverage

If your welding company employs others, you are unfortunately at risk of having an employee who does something dishonest. Even if your employee is innocent, when a client accuses them of something, you as the employer must deal with the resulting actions and events that arise. Expenses might range from simple legal defense fees to costs associated with employee termination. If judgments are awarded to the client, your company will be required to pay those as well.

Other Important Coverages

A business owner's insurance for mobile welders provides you with a number of additional important protections. It helps if you experience equipment breakdowns; it replaces or repairs outdoor signs when they’re damaged; it protects you from the expense of losing improvements you’ve paid for at your business location; it protects you from the expenses associated with losing electronic computer data; and it protects new buildings and structures that you buy or build for your company.

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