How to Lower Business Insurance Costs for Fence Contractors

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

Business insurance is essential for fence installation companies, but that doesn’t mean you should overpay. With the right strategies, fence contractors can lower business insurance costs while maintaining proper protection for their operations, employees, and equipment.

Here are effective ways to reduce fence contractor business insurance premiums responsibly.

How to Lower Business Insurance Costs for Fence Contractors

1. Improve Job‑Site Safety and Training

Insurance companies reward contractors who actively manage risk. Implementing safety measures such as:

Proper auger and post‑driver training
PPE requirements for crews
Written safety procedures
Documented job‑site inspections

can reduce accidents and claims, often resulting in lower premiums.

2. Maintain a Clean Claims History

Fewer claims signal lower risk to insurers. Promptly addressing hazards, safely marking utilities, and documenting completed work all help reduce potential claims and improve long‑term pricing.

3. Bundle Multiple Policies

Bundling general liability, commercial auto, tools coverage, and workers’ compensation through one carrier can reduce total insurance costs. Many insurers offer package discounts for contractors with multiple policies.

4. Review Coverage Limits Annually

Over‑insuring or carrying outdated limits can increase premiums unnecessarily. Review:

Revenue changes
Equipment values
Vehicle usage
Employee count

Adjusting coverage to reflect current operations helps avoid paying for coverage you no longer need.

5. Select Higher Deductibles (When Appropriate)

Choosing a higher deductible can lower monthly or annual premiums. Just ensure your business can comfortably absorb the deductible if a claim occurs.

6. Work With an Insurance Specialist

General insurance brokers may not understand fencing risks, leading to incorrect classifications and higher pricing. A specialised agent knows which carriers best price fence contractors and how to structure coverage efficiently.

Wexford Insurance works with insurance companies that insure fence contractors nationwide. We help fence installation businesses identify cost‑saving opportunities, eliminate coverage gaps, and secure competitive quotes.