Do Framing Contractors Need General Liability Insurance?
- Nate Jones, CPCU, ARM, CLCS, AU
- 9 hours ago
- 2 min read
If you’re a framing contractor, one of the first questions you may ask when setting up your business is: Do I actually need general liability insurance? The short answer, yes, absolutely. General liability insurance is one of the most essential protections for any contractor working on residential or commercial construction projects.
Why Framing Contractors Need General Liability Insurance
Framing work comes with high‑risk exposures: heavy materials, structural work, power tools, and elevated job sites. Even with experienced crews, accidents can happen. Without liability insurance, one claim could financially devastate a small contracting business.
General liability insurance protects against:
Third‑party injuries (e.g., a client or visitor getting hurt on your job site)
Property damage caused by your work
Legal defence costs if someone sues your business
Completed operations issues, such as structural damage after the job is done
. Framing and structural carpentry remain some of the most accident‑prone construction trades. This makes liability coverage not just advisable, but necessary.
Clients and General Contractors Often Require It
Most general contractors and builders require framing subcontractors to carry general liability insurance before stepping onto a job site. Many also ask for proof of coverage in the form of a COI (Certificate of Insurance).
It Protects Your Reputation and Your Wallet
Without general liability insurance, you would be personally responsible for:
Repair costs
Medical bills
Attorney fees
Settlements or judgements
One mistake, even accidental, could result in tens of thousands of dollars in damages.
What Happens If a Framing Contractor Doesn’t Carry General Liability Insurance?
Not having general liability insurance exposes framing contractors to significant financial and legal risks. Without coverage, your business is fully responsible for any damages, injuries, or lawsuits that occur on or because of your work. This means even a minor accident could result in major out‑of‑pocket expenses. For example, if a wall collapses due to an unforeseen issue or a visitor is injured by falling materials, the contractor must cover all repair costs, medical bills, and legal defence fees.
Get General Liability Insurance for Framing Contractors
If you’re ready to protect your business, Wexford Insurance specialises in framing contractor insurance and can help you find affordable, comprehensive general liability coverage.
👉 Request a fast quote from Wexford Insurance today and keep your framing business protected on every job.
