Why AWS Members Often Pay Less
Better rates through industry-focused markets.
Access to markets that understand the welding industry means better pricing — and coverage that fits how your business actually works.
Why the Program Delivers Better Value
Purchasing power + industry access = better premiums.
Program Purchasing Power
The AWS Insurance Program aggregates the risk of many welding businesses. This gives carriers more data to price risks accurately — and gives the program leverage to negotiate better terms on behalf of members.
Industry-Specific Market Access
Many standard insurance markets add significant premium loading for welding operations because their underwriters are unfamiliar with the actual risk profile. Program carriers understand welding — which means your premium reflects your real risk, not an unfamiliar industry surcharge.
Coverage Alignment
Paying for coverage you don't need costs money. Program specialists help identify the right coverage structure for your specific operations — eliminating waste while ensuring nothing critical is missing.
Renewal Advocacy
The program team proactively prepares renewals — presenting your business's story accurately to markets, highlighting favorable loss history, and ensuring your operation isn't misclassified or over-priced at renewal.
Program Savings Example
Welding Contractor — Southwest Region
Previous Annual Premium
$12,300
Annual Savings
$4,286
New Annual Premium
$8,014
35% Premium Reduction
General Liability + Workers Comp package through the AWS Insurance Program
This example is based on an actual program opportunity. Savings are not guaranteed. Individual results vary based on operations, loss history, state, underwriting, and carrier eligibility.
What Affects Your Insurance Premium
Know what moves your number.
Understanding the key factors that influence welding business insurance premiums can help you structure your program for the best value.
Annual Revenue & Payroll
Revenue and payroll are primary rating bases for General Liability and Workers Compensation. Accurate reporting keeps you from over- or under-paying.
Loss History
Your claims history over the past 3–5 years directly affects your premiums. A clean loss history is one of the most powerful tools for keeping costs down.
Operations & Processes
The type of welding you do, where you do it, and what you produce affects how carriers view your risk. Accurate classification is critical.
Business Experience
Established businesses with consistent operations and documented safety practices often qualify for better rates than newer operations.
Coverage Structure
Eliminating coverages you don't need and structuring deductibles appropriately can significantly reduce premiums without leaving you exposed.
State & Location
Insurance is state-regulated, and rates vary significantly by state. Your primary operating state affects available markets and rate levels.
Who Qualifies for the Program
Open to the full welding industry.
The program is open to a broad range of welding industry businesses and professionals.
Ready to Protect Your Welding Business?
Contact The Southern Agency today for a no-obligation review of your coverage and a competitive quote through the AWS Insurance Program.