Why welding is a hot-work exposure
Welding, cutting, and grinding are hot-work operations — sparks and heat create a real fire risk to your shop, neighboring property, and the vehicles you’re working on. Fabrication also raises completed-operations questions: a fabricated bracket, hitch, or part that fails can lead to a liability claim down the road.
Garage liability responds to third-party injury and property damage from your work; property coverage protects your own building and equipment. Fire-safety practices (hot-work permits, extinguishers, clear work zones) both reduce risk and improve insurability.
Coverage that matters for welding shops
Garage liability with completed operations, property for the shop and gear, and workers’ comp for a crew doing physically demanding, higher-hazard work. Coverage is general in nature and governed solely by the terms of the issued policy.