How to Get Business Insurance for a Fence Installation Business

Nate Jones, CPCU, ARM, CLCS, AU
2 days ago
2 min read

Running a fence installation or repair business comes with unique risks. From property damage during installation to injuries on job sites, one accident can threaten your company’s finances. That’s why securing fence contractor business insurance is a critical step for protecting your business, employees, and customers.

Here’s how to get the right coverage for your fence installation business.

How to Get Business Insurance for a Fence Installation Business

1. Understand the Insurance Coverage Fence Contractors Need

Most insurance companies look for specific coverage when quoting a fence contractor:

General Liability Insurance – Covers property damage and bodily injury claims, such as damaging a customer’s property while installing a fence
Commercial Auto Insurance – Required if you use trucks or trailers to transport materials
Tools & Equipment Coverage – Protects saws, augers, post drivers, and power equipment
Workers’ Compensation – Required in most states if you have employees
Contractor’s Errors & Property Damage Coverage – Addresses installation‑related mistakes

2. Gather Information Before Requesting a Quote

To get a fast fence installation business insurance quote, insurers typically ask for:

Years in business
Annual revenue
Number of employees
Services offered (wood, vinyl, chain‑link, commercial fencing)
Vehicles used for business
Prior insurance or claims history

Having this ready helps avoid quote delays.

3. Know What Affects Insurance Cost

The insurance cost for a fence installation business depends on several factors:

Type of fencing installed (residential vs. commercial)
Job site hazards
Number of employees
Vehicle usage
Claims history

Higher‑risk commercial projects or heavy equipment use may increase premiums.

4. Work With an Agency That Specialises in Fence Contractors

Not every insurer understands fence contractor risks. Working with a specialised agency ensures your quote is submitted to insurance companies that actually insure fencing businesses, leading to better coverage and pricing.

Wexford Insurance works with insurance companies that insure fence contractors nationwide. We help fence installation businesses secure proper coverage quickly and competitively.