How to Get Business Insurance for a Framing Contractor Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- 24 hours ago
- 2 min read
Running a framing contractor business comes with serious risks, job site injuries, property damage, and costly lawsuits. The right business insurance for framing contractors protects your livelihood, keeps you compliant with state requirements, and gives clients confidence in your professionalism.
Why Framing Contractors Need Specialised Insurance
Framing work involves heavy materials, power tools, elevated workspace, and tight construction timelines. Without proper coverage, a single accident could put your business at financial risk. Many general contractors also require proof of insurance before hiring sub‑contractors.
According to OSHA, construction remains one of the highest‑risk industries for workplace injuries, making insurance a non‑negotiable necessity.
Essential Insurance Policies for Framing Contractors
Most framing contractors should consider the following policies:
General Liability Insurance – Covers third‑party bodily injury and property damage
Workers’ Compensation Insurance – Required in most states if you have employees
Commercial Auto Insurance – Protects vehicles used for business jobs
Tools & Equipment Coverage – Replaces stolen or damaged tools
Professional Liability Insurance – Covers errors, project disputes, and contract issues
Your exact needs depend on business size, location, and whether you work residential or commercial projects.
How to Get Affordable Coverage
To get the best rates:
Gather business details (revenue, payroll, equipment value)
Work with an agency experienced in construction insurance
Compare policy limits, not just price
Ensure coverage meets state and contract requirements
Online quote tools can be misleading if they don’t understand framing contractor risks.
Get a Framing Contractor Insurance Quote from Wexford Insurance
Wexford Insurance specialises in construction and contractor insurance. Their team understands the risks framers face and can customise coverage that protects your business without overpaying.
👉 Request a fast, no‑obligation quote from Wexford Insurance today and build with confidence knowing your business is protected.
