Common Claim Risks Framing Contractor Business Insurance Covers
- Nate Jones, CPCU, ARM, CLCS, AU
- 9 hours ago
- 2 min read
Framing contractors work in one of the highest‑risk construction trades, making the right insurance coverage essential. From structural work to heavy equipment and elevated job sites, even experienced framing crews face exposures that could lead to expensive claims. Understanding the common claim risks covered by framing contractor business insurance helps protect both your business and your bottom line.
Below are the most frequent risks insurance covers for framing professionals working in both residential and commercial environments.
1. Third‑Party Injuries on the Job site
One of the most common claims in the framing industry involves injuries to clients, inspectors, or visitors. With ongoing construction activity, tools, materials, and debris present constant hazards. If someone unrelated to your crew trips over equipment or is struck by falling materials, general liability insurance helps cover medical expenses, legal defense, and settlement costs.
2. Property Damage Caused by Framing Work
Accidental damage is another major claim source. This includes:
Damaging an adjacent wall during framing
Causing structural shifting or alignment issues
Breaking windows or doors during installation
These incidents can lead to thousands of dollars in repairs. General liability insurance helps pay for the damage and protects contractors from paying out‑of‑pocket.
For commercial framing projects, damage to mechanical or electrical systems embedded in walls also leads to claims, especially when multiple contractors share the site.
3. Employee Injuries and Workers’ Compensation Claims
Framing involves ladders, elevated platforms, power tools, and heavy lifting, making injuries common even in well‑managed operations. Workers’ compensation claims often come from:
Falls from heights
Strains from lifting lumber
Cuts from saws or nail guns
Equipment accidents
Workers’ compensation insurance helps pay for medical bills, rehabilitation, lost wages, and related legal expenses. Many states require this coverage as soon as a business hires its first employee.
4. Theft or Damage to Tools and Equipment
Framing tools are expensive and frequently targeted for theft on job sites. Claims often involve:
Missing tools from trucks
Stolen compressors or nail guns
Damaged saws or framing equipment
Tools and equipment insurance covers the repair or replacement cost, helping contractors avoid costly downtime.
Get the Right Coverage With Wexford Insurance
Framing claim risks are real, but the right insurance protects you from financial loss. Wexford Insurance specialises in contractor insurance and can tailor a policy to fit your framing business needs.
👉 Request a fast, no‑obligation quote from Wexford Insurance today and keep your framing business protected.
