Understanding welding contractor insurance costs across different states is crucial for budget planning and competitive bidding. ContractorNerd’s proprietary quote platform and network of contractor-friendly insurers provide this comprehensive analysis of insurance costs for welding professionals. Our tech-enabled, specialized agents have analyzed over 200 welding contractor insurance costs from top insurers, revealing significant cost variations between states, with premium differences of up to 300% for similar coverage levels.
What This Guide Covers
This state-by-state cost analysis provides welding contractors with essential benchmarking data including:
- General liability costs across 11 major states for welding contractors under class code 99969
- Premium ranges from 0.1% to 13.3% of revenue depending on state and business size
- Potential annual savings ranging from $0 to $8,900 between favorable and higher-end rates
- Cost breakdowns for three business stages: $50K, $150K, and $500K revenue levels
- State-specific pricing patterns to inform business planning and expansion decisions
This comprehensive cost analysis examines general liability insurance premiums for welding contractors under class code 99969, providing benchmarking data across three business stages. The rates reflect specific business characteristics that insurers use to assess risk and determine pricing:
$50K Revenue: assumes 1 owner with 0 employees, $50,000 gross revenues with less than 10% subcontractor costs. This represents new sole proprietor operations with limited project scope and minimal risk exposure.
$150K Revenue: assumes 1 owner with 1 employee, $150,000 gross revenues with 10% subcontractor costs, and an established business with proven safety record. This stage reflects small operations expanding their workforce while maintaining strong safety protocols.
$500K Revenue: assumes 1 owner with approximately 3 employees, $500,000 gross revenues with 10% subcontractor costs, and an established business with comprehensive safety protocols. This represents mature operations with substantial project capacity and sophisticated risk management systems.
Premium variations between states reflect differences in legal environments, claim frequencies, labor costs, and regulatory requirements. Understanding these patterns helps welding contractors make informed decisions about insurance procurement and business planning.
To fully understand how these cost variations align with comprehensive coverage needs, exploring welding insurance options helps you evaluate protection for fire damage, structural failures, and hot work exposures specific to class code 99969 operations.
Ready to secure coverage for your welding business? Get your welding contractor insurance costs today through ContractorNerd’s specialized platform and connect with insurers who understand your industry.
Jump to State
Arizona
The following table shows general liability premiums for $1 million/$2 million coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $660 | $340 | $980 | $640 |
| $150,000 | $1,270 | $360 | $2,170 | $1,810 |
| $500,000 | $3,850 | $450 | $7,250 | $6,800 |
Premiums range from 0.1% to 2.0% of revenue, with the widest variation occurring at higher revenue levels where potential savings can exceed $6,000 annually.
California
The following table shows general liability premiums for $1 million/$2 million coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $3,610 | $930 | $6,290 | $5,360 |
| $150,000 | $4,240 | $2,200 | $6,290 | $4,090 |
| $500,000 | $10,740 | $7,330 | $14,150 | $6,820 |
Premiums range from 1.5% to 12.6% of revenue. Potential savings between favorable and higher-end rates range from $4,090 to $6,820 annually across revenue levels.
Florida
The following table shows general liability premiums for $1 million/$2 million coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $4,000 | $1,360 | $6,640 | $5,280 |
| $150,000 | $4,830 | $3,020 | $6,640 | $3,620 |
| $500,000 | $9,970 | $9,890 | $10,060 | $170 |
Premiums range from 2.0% to 13.3% of revenue. Potential savings are highest for smaller operations, with minimal variation at the $500,000 revenue level.
Illinois
The following table shows general liability premiums for $1 million/$2 million coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $3,990 | $1,710 | $6,280 | $4,570 |
| $150,000 | $5,290 | $3,780 | $6,800 | $3,020 |
| $500,000 | $15,130 | $12,600 | $17,660 | $5,060 |
Premiums range from 2.5% to 12.6% of revenue. Potential savings range from $3,020 to $5,060 annually, with the highest average premiums occurring at the $500,000 revenue level.
Massachusetts
The following table shows general liability premiums for $1 million/$2 million coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $830 | $830 | $830 | $0 |
| $150,000 | $1,850 | $1,850 | $1,850 | $0 |
| $500,000 | $6,160 | $6,160 | $6,160 | $0 |
Premiums represent 1.2% to 1.7% of revenue with no variation between carriers at each revenue level. No potential savings are available through carrier comparison.
Michigan
The following table shows general liability premiums for $1 million/$2 million coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $570 | $570 | $570 | $0 |
| $150,000 | $1,280 | $1,280 | $1,280 | $0 |
| $500,000 | $4,270 | $4,270 | $4,270 | $0 |
Premiums represent 0.9% to 1.1% of revenue with no variation between carriers at each revenue level. No potential savings are available through carrier comparison.
North Carolina
The following table shows general liability premiums for $1 million/$2 million coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $3,480 | $570 | $6,380 | $5,810 |
| $150,000 | $3,830 | $1,280 | $6,380 | $5,100 |
| $500,000 | $5,440 | $4,270 | $6,620 | $2,350 |
Premiums range from 0.9% to 12.8% of revenue. Potential savings range from $2,350 to $5,810 annually, with the largest variations occurring at lower revenue levels.
Pennsylvania
The following table shows general liability premiums for $1 million/$2 million coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,660 | $560 | $6,270 | $5,710 |
| $150,000 | $3,150 | $620 | $6,270 | $5,650 |
| $500,000 | $6,390 | $890 | $9,790 | $8,900 |
Premiums range from 0.2% to 12.5% of revenue. Potential savings range from $5,650 to $8,900 annually, with the highest potential savings occurring at the $500,000 revenue level.
Texas
The following table shows general liability premiums for $1 million/$2 million coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,600 | $460 | $6,400 | $5,940 |
| $150,000 | $4,240 | $2,090 | $6,400 | $4,310 |
| $500,000 | $7,380 | $6,960 | $7,790 | $830 |
Premiums range from 0.9% to 12.8% of revenue. Potential savings range from $830 to $5,940 annually, with the smallest variation occurring at the $500,000 revenue level.
Virginia
The following table shows general liability premiums for $1 million/$2 million coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $3,380 | $550 | $6,210 | $5,660 |
| $150,000 | $3,720 | $1,220 | $6,210 | $4,990 |
| $500,000 | $5,150 | $4,080 | $6,210 | $2,130 |
Premiums range from 0.8% to 12.4% of revenue. Potential savings range from $2,130 to $5,660 annually, with the largest variations occurring at lower revenue levels.
Washington
The following table shows general liability premiums for $1 million/$2 million coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,640 | $1,340 | $1,940 | $600 |
| $150,000 | $3,240 | $2,980 | $3,500 | $520 |
| $500,000 | $10,940 | $9,920 | $11,950 | $2,030 |
Premiums range from 2.0% to 3.9% of revenue. Potential savings range from $520 to $2,030 annually, with the narrowest variation occurring at the $150,000 revenue level.
Get Tailored Quotes from ContractorNerd
ContractorNerd’s proprietary quote platform connects welding contractors with contractor-friendly insurers who understand the construction industry’s unique risks. Our tech-enabled, specialized agents bring deep industry expertise to every quote, ensuring contractors receive coverage tailored to their specific operational needs and class code 99969 requirements.
Whether you’re managing a $50K sole proprietorship or a $500K operation with multiple employees, having the right insurance partner makes the difference between basic coverage and comprehensive protection that supports business growth.
Ready to explore your options? Get your welding contractor insurance quotes today through ContractorNerd’s specialized platform and work with insurers who truly understand your business.