How Much Does Insurance Cost for a Framing Contractor Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- 22 hours ago
- 2 min read
One of the most common questions framing contractors ask is: how much does Framing Contractor business insurance cost? The short answer, costs vary based on risk, size, and coverage needs. Understanding typical price ranges helps you budget accurately and avoid being under insured.
Average Cost of Framing Contractor Insurance
While prices differ by state and carrier, many framing contractors can expect approximate annual costs such as:
General Liability Insurance: $800–$2,000 per year
Workers’ Compensation Insurance: $1,500–$4,000 per employee, depending on payroll and risk class
Commercial Auto Insurance: $1,200–$3,000 per vehicle
Tools & Equipment Coverage: $300–$1,000, based on equipment value
Professional Liability Insurance: $500–$1,500 annually
These are rough estimates, actual pricing depends on your specific business profile.
What Factors Affect Insurance Costs?
Several things influence framing contractor insurance rates:
Business size and annual revenue
Number of employees and payroll
Claims history
Types of projects (residential vs. commercial)
State regulations and job-site risk level
construction trades are considered higher‑risk industries, which means accurate classification is critical for fair pricing.
Why Cheap Insurance Can Cost More
Choosing the lowest‑price policy may leave coverage gaps, rejected claims, or insufficient limits, costly mistakes when accidents happen. Working with an insurance agency experienced in framing contractor risks helps ensure coverage matches real‑world exposures.
Get an Accurate Framing Contractor Insurance Quote
Online calculators can’t account for your unique operations. Wexford Insurance specialises in contractor and construction insurance, offering customised policies that balance strong protection with competitive pricing.
👉 Request a fast, no‑obligation quote from Wexford Insurance to see exactly what insurance will cost for your framing contractor business.
