How Much Does It Cost to Start a Framing Contractor Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Dec 2, 2025
- 2 min read
Starting a framing contractor business can be a profitable venture, but understanding the upfront costs is crucial for planning and long-term success. Costs can vary widely depending on the size of your crew, tools, licensing, insurance, and location.
This guide breaks down all the major expenses, so you can plan effectively and launch your framing business with confidence.
Startup Costs Overview
Launching a framing contractor business typically involves several categories of expenses:
1. Business Registration and Licensing
Before you can operate legally, you need to register your business and obtain the required licenses. Costs may include:
Business registration fees: $50–$500 depending on your state
Contractor or specialty trade license fees: $200–$1,000+
Local permits or city registrations
2. Tools and Equipment
High-quality tools are essential for framing work. Costs vary depending on whether you purchase new or used equipment:
Nail guns, air compressors, saws: $2,000–$5,000
Ladders, scaffolding, levels, squares: $1,000–$2,000
Truck or trailer for transporting materials: $10,000–$30,000 (used or financed)
Safety gear and PPE: $500–$1,000
3. Labor and Payroll
If you plan to hire a crew immediately:
Wages for framers: $25–$35 per hour on average
Payroll taxes and benefits
Subcontractor fees (optional)
Managing labor efficiently is essential to keeping costs under control and maintaining profitability.
4. Insurance Costs
Insurance is a non-negotiable expense for framing contractors to protect your business and meet builder requirements:
General liability insurance: $1,000–$2,500 annually
Workers compensation: varies by state and payroll
Commercial Auto: $1,000–$3,000 annually
Tools and Equipment coverage: $500–$1,000 annually
Commercial Property insurance: depends on office or storage space
5. Marketing and Administrative Costs
Website setup: $500–$2,000
Business cards, signage, and promotional materials: $200–$500
Accounting or bookkeeping software: $200–$500/year
Struggling to attract customers for your framing business? Let Contractor Back Office handle your website SEO and marketing needs.
Total Estimated Costs
Depending on the size of your operation, your total startup costs can range between $15,000 and $50,000, with larger crews and trucks increasing that amount. Proper
planning and budgeting are key to avoiding financial surprises.
Tips to Minimize Startup Costs
Consider leasing tools or vehicles instead of buying outright
Start with a small crew and scale as demand increases
Purchase used but reliable tools and equipment
Shop multiple insurance providers to get the best rates
Final Thoughts
Starting a framing contractor business requires a clear understanding of startup costs, from licensing and equipment to labor and insurance. By budgeting properly and using resources strategically, you can launch a profitable business with confidence.
Protect your investment and ensure builder requirements are met with Wexford Insurance.
Contact us today.