Best Insurance Options for Residential and Commercial Framers
- Nate Jones, CPCU, ARM, CLCS, AU
- 9 hours ago
- 2 min read
Whether you build single‑family homes or work on large commercial structures, framing contractors face constant exposure to risk. From structural issues to job site injuries, both residential and commercial framers need strong insurance protection. Choosing the right policies can safeguard your business, equipment, and financial stability.
Below are the best framing Contractor Insurance options every framing contractor should consider.
1. General Liability Insurance
General liability insurance is essential for both residential and commercial framing contractors. It protects your business from third‑party injuries, property damage, and legal claims. Many builders and general contractors won’t hire framers without proof of liability coverage, making this policy necessary for winning contracts.
2. Workers’ Compensation Insurance
If you have employees, workers’ compensation insurance is typically required by state law. It pays for medical bills, lost wages, and rehabilitation if an employee is injured on the job. Residential framers working at heights and commercial crews handling large structural components both face high injury risks, making this coverage vital.
3. Tools and Equipment Insurance
Framing requires saws, nail guns, compressors, ladders, and specialised tools. Tools and equipment insurance protects your gear from theft, vandalism, and damage, common occurrences on busy job sites.
4. Commercial Auto Insurance
Whether hauling lumber to a residential site or moving crews between commercial projects, business vehicles need commercial auto coverage. Personal auto policies often exclude business use, leaving contractors unprotected without the right commercial policy.
5. Builders Risk Insurance
Builders risk insurance covers property during construction and is especially important for commercial projects. It protects materials, structures, and equipment from fire, theft, and weather events. Residential framers working on custom homes also benefit from this coverage.
Get the Right Coverage with Wexford Insurance
Choosing the best insurance options doesn’t have to be complicated. Wexford Insurance specialises in coverage for residential and commercial framing contractors and can customise a policy to fit your exact needs.
👉 Get a fast, no‑obligation quote from Wexford Insurance today and protect your framing business with confidence.
