Common Claim Risks Fence Contractor Business Insurance Covers
- Nate Jones, CPCU, ARM, CLCS, AU
- 1 day ago
- 2 min read
Fence installation and repair work carries unique risks that can quickly turn into costly insurance claims. Even the most experienced contractors encounter unexpected incidents. Understanding the common claim risks fence contractor business insurance covers helps you choose the right protection and avoid out‑of‑pocket losses.
Here are the most frequent claim scenarios fencing businesses face.
1. Property Damage During Installation
One of the most common claims involves accidental damage to customer property, such as:
Hitting underground utilities or irrigation lines
Damaging concrete, driveways, or landscaping
Cracking patios or sidewalks while setting posts
General liability insurance helps cover repair costs and legal expenses related to these incidents.
For information about Essentials of Contractor Risk Management visit ServiceChannel
2. Bodily Injury Claims at Job Sites
Fence contractors often work in active residential or commercial areas. Claims may arise if:
A homeowner or bystander trips over materials
Tools fall or are left in walkways
Temporary fencing causes injuries
General liability insurance helps pay for medical bills, settlements, and legal defence.
3. Equipment Theft or Damage
Power tools, augers, post drivers, and saws are frequent targets for theft, especially from job sites or vehicles. Tools and equipment coverage (inland marine insurance) helps reimburse replacement or repair costs.
4. Vehicle‑Related Claims
Trucks and trailers are essential to fence installation businesses. Accidents during:
Material transport
Backing trailers onto job sites
City or highway driving
are covered under commercial auto insurance, not personal auto policies.
5. Employee Injury Claims
Fence installation is physically demanding. Common injuries include:
Lifting strains
Cuts from tools
Injuries from post drivers or augers
Workers’ compensation insurance helps cover medical expenses and lost wages if an employee is injured on the job.
6. Completed Operations Claims
If a fence fails after installation, falls over or causes injury weeks later, completed operations coverage responds, even after the job is finished.
Protect Your Fence Business From Costly Claims
The right insurance protects your business from everyday risks and serious financial loss. Choosing coverage tailored to fencing work is critical.
Wexford Insurance works with insurance companies that insure fence contractors nationwide. We help fencing businesses secure coverage designed to address real‑world claim risks.
👉 Request your fence contractor business insurance quote today at Wexford Insurance
