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Thread: Where to get insurance

  1. #1
    Join Date
    Feb 2014
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    Where to get insurance

    Like many other posts, I'm considering turning my hobby into a small business. I'm not going to get rich but if I can make a little coin and cover most expenses I'd be happy. I have been told liability insurance is crucial. However after filling out multiple quote requests I keep being told they don't cover my type of work....welding. So where can I get a policy? Since I am build deer blinds, furniture, and other one off items should I label my business something other than welder?

    Thanks so much!!

  2. #2
    Join Date
    Mar 2021
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    Re: Where to get insurance

    You might look into Obama care, I am thinking about retiring at 62 and was looking at insurance for me and the wife. It's expensive but you can make upward of 80k a year and still get about a $1,300 a month subsidy. I haven't jumped yet but knowing that took one big worry off of me.

  3. #3
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    Feb 2014
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    Re: Where to get insurance

    Apologies as I don't think I was clear. I meant liability insurance for the company, not myself as an individual. Thanks!

  4. #4
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    Re: Where to get insurance

    I have no affiliation with this company

    https://www.businessinsuranceusa.com...urance-welders
    Ed Conley
    http://www.screamingbroccoli.com/
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  6. #5
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    Mar 2011
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    McGregor, Iowa
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    Re: Where to get insurance

    I used to go through Scottsdale but they were increasing their rates and wouldn't let me do handrail. I switched to federated and they're better for me. Keep a lookout on the policy for what they will and won't let you work on. Any policy for me was $2000 and up per year.

  7. #6
    Join Date
    Jun 2011
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    Eastern Washington
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    Re: Where to get insurance

    I had my business insurance through Liberty Mutual for years, but then I had a minor claim.
    I am not with them anymore!
    I went to State Farm as I had other insurance with them. They do liability insurance for what they call "Artisan" type businesses. My premiums are less than half of what I was paying before, with MUCH better coverage, and MUCH, MUCH better customer service.Wish I had that claim years before, I would be ahead many thousands of dollars in premiums!
    I think if you explained the kind of welding you do, they might cover you.

  8. #7
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    Feb 2014
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    Re: Where to get insurance

    Thanks all!! Great information!

  9. #8
    Join Date
    Aug 2019
    Location
    northeastern PA.
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    Re: Where to get insurance

    I don't know where you are located (state). I spoke to an insurance provider and they gave me a quote that simply ate the competition by hundreds of dollars. They even wanted to insure my building that is currently covered by my house insurance for less than my house insurance. SHOP AROUND. At this point I haven't done anything as far as providing service or product but will in the very near future when I see where the business is going. Right now I am building things that I will need to make jigs and support products. Did he low ball me ??? Don't know .... YET.
    Last edited by BillE.Dee; 5 Days Ago at 08:11 AM.

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