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Industrial welding is a high risk class for Quebec insurers. Hot work (hot work: welding, flame cutting, grinding) is the #1 cause of fires on industrial sites. A spark that sets fire to a nearby structure can trigger a multi-million dollar claim.

Industrial welding — Assur360 insurance

IN BRIEF

Industrial Welding Company Insurance

Industrial welding firms (hot sites, metal structures, high-pressure welding) need a high liability ($2-5 million) due to the risk of fire on customer sites and structural failures.

Certification: CWB W47.1 or ASME equivalent required by most OEMs. Documented fire watch program and hot work permits.

Industrial welding insurance requires: liability $ 5 million minimum (often required by the client), documented hot work permit, spark protection equipment, work at height (harness, NACSST, suspended worker), E&O if fabrication/structural welding. Premium: $3,000 to $8,800/year.

$3,000+
premium avg.
$5M
Minimum liability
#1
Cause of fire construction site
Hot work
Permit required

Risks specific to your industrial welding

Spark fire

An arc weld without protection (fire covers, lookout, fire extinguisher) can ignite an old building 4 hours after the end of the work (slow combustion).

Working at height

Suspended welder, platform: fall can be fatal. CNESST mandatory + employer liability with work at height endorsement.

Faulty manufacturing

Welded structure that gives way, beam badly assembled: liability product + E&O. CSA W47.1 certifications are required by many clients.

Standard exclusions

General policies often EXCLUDE hot work. Always ask for a hot work operations endorsement or a specialized welding policy.

Essential Protections to Include

Liability $5 million with hot work

Essential endorsement, often excluded in standard policy.

E&O manufacturing

If you design or weld structural parts.

Mobile Equipment

Generator, TIG/MIG/arc welding machine, platform.

CNESST + Employer liability

If employed, with work at height.

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Premium 2026 — indicative table

ProfileVolume / DetailAnnual Bonus
Mobile Autonomous WelderVolume < $200,000$3,000 – $3,800
Workshop + mobile 2-5 employeesVolume $300,000 – $800,000$4,200 – $5,400
CSA Certified Industrial WeldingVolume $1,000,000 – $3,000,000$5,800 – $7,200
Welding + structure + heightHigh risk$7,000 – $8,800

The amounts are indicative. Your actual premium depends on your claims history, location, security systems, and coverage chosen.

Tips for lowering your premium

  • Documented Hot Work Permit for each site: mandatory for insurance.
  • Fire watch 30-60 min after welding: required by most insurers.
  • CSA W47.1 certification : discount + access to more insurers.
  • Fire blankets + ABC fire extinguishers at each station: proof of due diligence.

Frequently Asked Questions — Industrial Welding Insurance

How much does industrial welding insurance cost in Quebec in 2026?
Average premium: $3,000 to $8,800/year depending on size, sales volume, location, and your claims history. The 2026 rates reflect the increase in the cost of materials and parts.
What protections are essential for an industrial weld?
Minimum: Commercial Liability (2-5 M$), building/content (replacement cost), equipment, business interruption. Industry-specific endorsements (Liability 5 M$ with hot work, E&O manufacturing) are often crucial.
Is the CNESST included?
No. The CNESST is a mandatory contribution managed separately by the employer. Commercial insurance complements the CNESST for civil liability claims outside of work (clients, third parties).
Do I have to declare all my income exactly?
Yes. A under-declaration can result in a proportional penalty (proportional rule) in the event of a claim: if you declared $400,000 but actually made $800,000, you receive 50% of the compensation due.
Are my subcontractors covered by my policy?
No. Each subcontractor must have their own Liability. Always request a certificate of insurance and add yourself as an additional insured on their policy. Otherwise, you remain responsible for the damages they cause.
What is a replacement cost vs depreciated value?
Replacement cost: you are reimbursed the current price of an equivalent new piece of equipment. Depreciated value: reduced amount due to wear and tear (e.g., fridge 10 years = 30% of its replacement cost). Replacement cost is recommended — additional cost 10-15%.
Can I insure my commercial vehicles with the same policy?
Often yes, but sometimes it’s more advantageous to separate: distinct commercial fleet policy. We compare both scenarios to choose the most economical.
How long does it take to be compensated after a claim?
With up-to-date inventory + photos + financial documents: settlement in 4-8 weeks. Without evidence: it can drag on for 4-12 months. That’s why we recommend a digital inventory backed up off-site.
What should I do if my insurer refuses to renew it?
Common causes: repeated claims, change of activity, relocation. Assur360 has access to 15+ insurers (including 3-4 specialized in difficult risks). We usually find a solution in 90% of cases — call 1-866-357-4451.
How do I get my industrial welding quote?
Fill out our 3-minute form with your annual income, area, number of employees, and current coverages. You will receive up to 3 compared quotes within 24-48 business hours. Free, no obligation. ☎ 1-866-357-4451.

Why choose Assur360

✓ AMF & Chamber of Insurance
Accredited and certified firm
✓ 15+ insurers compared
Intact, Desjardins, Beneva, Aviva, Economical, Belair…
✓ 100,000+ Quebecers served
Since 2008
✓ No cost, no obligation
Our commission is paid by the insurer

Helpful Resources

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