How Much Does Insurance Cost for a Fence Installation Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 days ago
- 2 min read
One of the most common questions fence contractors ask when shopping for coverage is: How much does insurance cost for a fence installation business? While exact pricing depends on your operations, industry data and carrier benchmarks give reliable cost ranges that help contractors budget before requesting a quote.
Here’s what fence business owners should expect in today’s market.
Average Insurance Costs for Fence Installation Businesses
Most fence installation companies purchase a combination of general liability, commercial auto, tools coverage, and workers’ compensation. Typical annual costs include:
General Liability Insurance: Approximately $600 – $1,500 per year for most small to mid‑sized fence contractors
Commercial Auto Insurance: Around $1,200 – $3,000 per vehicle per year, depending on vehicle type and driving history
Tools & Equipment Coverage: Usually $200 – $600 per year, based on total equipment value
Workers’ Compensation (if required): Often $1,500 – $4,000+ per year, depending on payroll, job duties, and state regulations
For many fencing businesses, total insurance costs commonly fall between $2,500 and $6,000 per year, though higher‑risk operations can exceed this range.
What Factors Affect Fence Contractor Insurance Cost?
Several factors influence your fence installation business insurance quote, including:
Years in business
Annual revenue
Number of employees
Types of fencing installed (wood, vinyl, chain‑link, commercial, security fencing)
Claims history
Number of vehicles and trailers
Commercial fence installation and larger crews typically increase premiums due to higher risk exposure.
Why Cheap Coverage Can Cost More Long‑Term
Fence contractors who choose minimal or incorrect coverage often face denied claims, uncovered property damage, or contract issues with clients. Proper coverage protects your business assets, customer relationships, and long‑term revenue.
Get an Accurate Fence Contractor Insurance Quote
Because pricing varies widely, the best way to know your exact cost is to compare quotes from insurers that specialise in fencing operations.
Wexford Insurance works with insurance companies that insure fence contractors nationwide. We help fencing businesses find the right coverage at competitive pricing, without paying for unnecessary extras.
👉 Request your fence installation business insurance quote today at Wexford Insurance
