TradeGuardWelding subcontractor insurance requirements
What a general contractor should require from a welding subcontractor before they set foot on site, and the coverage gap that most often turns a welding job into the GC's claim.
Why welding insurance matters
Hot work is a leading cause of construction fires; welding also carries burn, fume, and confined-space exposure.
What to require from a welding sub
General liability (fire), workers' comp, and confirmation that hot-work isn't excluded or is covered with a permit program.
Certifications (AWS) rather than a state license; require the cert and a hot-work program.
Hot-work / no fire exclusion confirmation, plus completed-operations additional insured for structural welds.
A hot-work or fire exclusion that removes the exact exposure welding creates.
Most of these gaps come down to one thing: additional insured status and the right endorsement.
General information, not legal or insurance advice; confirm requirements with your broker and the terms of your subcontract.
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Welding insurance FAQ
What insurance should a welding subcontractor carry?+
At minimum, General liability (fire), workers' comp, and confirmation that hot-work isn't excluded or is covered with a permit program.
Do welding subcontractors need a license?+
Certifications (AWS) rather than a state license; require the cert and a hot-work program. Always confirm the requirement in the state and locality where the work happens.
What's the most common COI gap on welding work?+
A hot-work or fire exclusion that removes the exact exposure welding creates.
Other trades
Requirements also vary by state; see insurance requirements by state.