Do Fence Contractors Need General Liability Insurance?
- Nate Jones, CPCU, ARM, CLCS, AU
- 1 day ago
- 2 min read
Fence installation and repair is hands‑on work that puts contractors in frequent contact with customer property, power tools, heavy materials, and job‑site hazards. A common question business owners ask when shopping for coverage is: Do fence contractors need general liability insurance? For most fencing businesses, the answer is yes, it is one of the most important forms of protection you can carry.
What Is General Liability Insurance for Fence Contractors?
General liability insurance protects your fence installation business if you cause:
Property damage at a job site
Bodily injury to a customer, neighbour, or bystander
Damage arising from completed fence installations
For example, if an auger damages an underground irrigation system or a customer trips over materials at a job site, general liability insurance helps cover repair costs, medical expenses, and legal fees.
Why Fence Contractors Are High‑Risk Without Coverage
Fence installation work often involves digging near utilities, setting posts in concrete, and working along property boundaries. These risks increase the likelihood of:
Property damage claims
Disputes with neighbours
Injury claims from slips, falls, or equipment use
Most homeowners, general contractors, and commercial clients require proof of general liability insurance before allowing fence contractors to begin work.
Is General Liability Insurance Required by Law?
While not always legally mandated, general liability insurance is often:
Required by licensing boards
Required in contracts
Required by municipalities or HOAs
Required to secure commercial projects
Without it, many fence contractors are limited to small cash jobs and face significant financial risk if something goes wrong.
Get General Liability Insurance the Right Way
General liability is foundational, but it should be paired with proper tools, auto, and workers’ compensation coverage for full protection. Working with an agency that understands fence contractor risks makes a big difference.
Wexford Insurance works with insurance companies that insure fence contractors nationwide. We help fencing businesses secure general liability coverage that meets contract requirements and protects their operations.
👉 Request your fence installation business insurance quote today at Wexford Insurance
