What Does Fence Contractor Business Insurance Actually Cover?
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 days ago
- 2 min read
Fence contractors face hands‑on risks every day, digging post holes, using power tools, transporting materials, and working on customer properties. That’s why understanding what fence contractor business insurance actually covers is critical when requesting quotes or reviewing policies.
Here’s a breakdown of the most important coverage options for fence installation and repair businesses.
General liability insurance is the foundation of fence contractor business insurance. It protects your business if you cause:
Damage to a customer’s property (damaging irrigation lines, driveways, or landscaping)
Bodily injury to third parties (homeowners, neighbours, or bystanders)
Advertising or personal injury claims
Many commercial and residential clients require proof of general liability before allowing work to begin.
Fence contractors rely on augers, post drivers, saws, and power tools. Tools and equipment coverage (inland marine insurance) helps pay for repair or replacement if your equipment is:
Stolen from a job site or vehicle
Damaged during transport
Destroyed by fire or vandalism
If your business uses trucks, trailers, or vans to haul materials, personal auto insurance likely won’t cover you. Commercial auto insurance protects your business in case of:
Vehicle accidents while driving to job sites
Property damage or injuries caused by your vehicles
Most states require workers’ compensation if you have employees. This coverage helps pay for:
Medical expenses
Lost wages
Rehabilitation costs
for employees injured on the job.
Fence installation work often involves lifting heavy materials and operating machinery, increasing injury risk.
5. Additional Coverage Options
Depending on your operations, you may also need:
Installation floater coverage
Employment practices liability coverage
Get the Right Coverage for Your Fence Business
Every fencing company is different, and coverage should match your services and risk exposure. Working with a specialist helps avoid coverage gaps and wasted premium dollars.
Wexford Insurance works with insurance companies that insure fence contractors nationwide. We help fencing businesses secure the right coverage at competitive pricing.
👉 Request your fence contractor business insurance quote today at Wexford Insurance
