What Does Framing Contractor Business Insurance Cover?
- Nate Jones, CPCU, ARM, CLCS, AU
- 24 hours ago
- 2 min read
Framing contractor work involves daily exposure to job site hazards, expensive tools, and client property. Framing contractor business insurance is designed to protect your business from financial loss while meeting legal and contract requirements.
Understanding what your insurance actually covers helps you avoid costly gaps and ensures you’re protected when it matters most.
Core Coverage Included in Framing Contractor Insurance:
General Liability Insurance
This is the foundation of most contractor insurance policies. It covers third‑party bodily injuries, property damage, and legal defence costs. For example, if a client is injured on your job site or framing work damages an existing structure, general liability coverage helps pay for claims.
Workers’ Compensation Insurance
Required in most states if you have employees, Workers’ Compensation Insurance covers medical expenses, lost wages, and rehabilitation costs for job‑related injuries.
Commercial Auto Insurance
If you use trucks or vans to transport lumber, tools, or crews, personal auto insurance may not apply. Commercial auto coverage protects vehicles, drivers, and liability related to business use.
Tools and Equipment Coverage
Framing tools and speciality equipment are expensive and easily stolen from job sites. Tools and Equipment Coverage helps repair or replace tools damaged by theft, fire, or vandalism, losses often excluded from standard liability policies.
Professional Liability (Errors & Omissions)
If a framing mistake causes delays, structural issues, or disputes over workmanship, professional liability insurance helps cover legal defence and settlements.
Why Coverage Matters
Construction remains one of the highest‑risk industries. Proper insurance not only protects your business financially but also helps secure contracts with builders who require proof of coverage before work begins.
Get a Framing Contractor Insurance Quote from Wexford Insurance
Wexford Insurance specialises in contractor and construction insurance. Their team understands the unique risks faced by framing contractors and offers tailored coverage at competitive rates.
👉 Request a fast quote from Wexford Insurance today and protect your framing business with confidence.
