Best Insurance Options for Fence Installation and Repair Businesses
- Nate Jones, CPCU, ARM, CLCS, AU
- 1 day ago
- 2 min read
Fence installation and repair work exposes contractors to property damage, job‑site injuries, equipment loss, and vehicle‑related risks. Choosing the best insurance options for fence installation and repair businesses ensures your company stays protected, compliant, and financially secure as it grows.
Here are the key insurance options fence contractors should consider.
1. General Liability Insurance
General liability insurance is the foundation of fence contractor business insurance. It covers bodily injury and property damage claims related to your work. Common examples include:
Damaging underground utilities or irrigation systems
Property damage to landscaping, driveways, or structures
Injuries to customers or bystanders at job sites
Most clients and municipalities require proof of general liability before allowing work to begin.
2. Commercial Auto Insurance
Fence businesses routinely transport materials, tools, trailers, and crews. Commercial auto insurance covers accidents involving business vehicles, something personal auto policies typically exclude. This coverage is essential for trucks, vans, and trailers used on the job.
3. Tools and Equipment Coverage
Augers, post drivers, saws, and power tools are critical to your operations. Tools and equipment coverage helps pay for replacement if gear is stolen, damaged, or lost at a job site or in transit.
4. Workers’ Compensation Insurance
If you employ workers, most states require workers’ compensation insurance. Fence installation is labour‑intensive and carries a higher injury risk. This coverage pays for medical expenses and lost wages if an employee is injured on the job.
5. Optional Coverage to Consider
Depending on your business, additional options may include:
Umbrella liability insurance for higher limits
Installation floater coverage
Employment practices liability
Get the Right Insurance for Your Fence Business
Not all insurance agencies understand fencing operations. Working with a specialist helps avoid coverage gaps and overpricing.
Wexford Insurance works with insurance companies that insure fence contractors nationwide. We help fence installation and repair businesses compare policies and secure coverage tailored to their services.
👉 Request your fence installation business insurance quote today at Wexford Insurance