Top Requirements to Get a Fence Installation Business Insurance Quote
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 days ago
- 2 min read
When requesting a fence installation business insurance quote, insurance companies need specific details to accurately assess risk and pricing. Providing complete information upfront can speed up the quoting process, reduce back‑and‑forth, and help secure better coverage terms. Below are the top requirements fence contractors need when applying for business insurance.
1. Basic Business Information
Insurers start with core details such as:
Legal business name and address
Years in operation
Ownership structure (sole proprietor, LLC, corporation)
States where work is performed
Fence contractors operating across state lines may require additional underwriting considerations.
2. Description of Fence Installation Services
Insurance carriers need to understand your scope of work, including:
Fence types (wood, vinyl, chain‑link, aluminium, security fencing)
Repair vs. new installation
Use of heavy equipment or augers
Higher‑risk installations or commercial projects can affect pricing.
3. Annual Revenue and Payroll
Revenue helps insurers gauge business size and exposure. Payroll details are especially important when quoting workers’ compensation insurance, which is required in most states if you have employees.
4. Vehicle and Trailer Information
If your business owns or leases trucks, vans, or trailers, insurers will request:
Vehicle VINs
Driver information
Estimated annual mileage
Trailer values
This information is used to quote commercial auto insurance accurately.
5. Tools and Equipment Values
Fence contractors rely on expensive tools like post drivers, saws, and power augers. Providing estimated replacement values helps insurers offer proper tools and equipment coverage.
6. Prior Insurance and Claims History
Most carriers request:
Current or prior insurance policies
Claims history from the past 3–5 years
A clean claim history often results in faster approvals and better rates.
Get Your Fence Insurance Quote Faster
Working with an insurance agency that understands fence contractor risks makes the process much easier.
Wexford Insurance works with insurance companies that insure fence contractors nationwide. We help fence installation businesses submit complete applications and receive accurate insurance quotes quickly.
👉 Request your fence installation business insurance quote today at Wexford Insurance
