Top Requirements to Get a Framing Business Insurance Quote
- Nate Jones, CPCU, ARM, CLCS, AU
- 22 hours ago
- 2 min read
Getting an accurate framing business insurance quote starts with having the right information ready. Insurance carriers assess risk carefully, and missing details can delay coverage or result in higher premiums.
If you’re a framing contractor preparing to request insurance, here are the top requirements insurers typically need.
1. Basic Business Information
Insurers will ask for:
Legal business name and structure (LLC, corporation, sole proprietor)
Years of experience in framing work
Business location and states of operation
2. Description of Framing Work
Be specific about the type of work you perform. Residential framing, commercial projects, multi‑story structures, and subcontracted work each carry different risk levels. Accurate descriptions prevent denied claims later.
3. Annual Revenue and Payroll
Your estimated gross revenue and total payroll play a major role in pricing:
Revenue helps determine general liability exposure
Payroll is used to calculate workers’ compensation rates
4. Number of Employees and Subcontractors
Insurers need to know:
How many employees you have
Whether subcontractors carry their own insurance
If subcontractors provide certificates of insurance
Misclassifying workers is a common cause of coverage issues.
5. Vehicles, Tools, and Equipment
If you use trucks, vans, or trailers, commercial auto details are required. High‑value tools and equipment should also be listed to ensure proper replacement coverage in case of theft or damage.
6. Claims History
Previous insurance claims from the past three to five years must be disclosed. A clean claims record often leads to better pricing.
Get a Framing Insurance Quote from Wexford Insurance
Wexford Insurance specialises in contractor and construction insurance. Their team makes quoting simple by helping framing contractors gather the right information and secure coverage tailored to real‑world risks.
👉 Request your framing business insurance quote from Wexford Insurance today and get covered without delays.
