What Kind of Insurance Do I Need for a Fence Contracting Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 9
- 2 min read
Starting or growing a fence contracting business comes with exciting opportunities—but also real risks. Whether you specialize in residential fencing, commercial fencing, security fences, or pool fence installations, having the right insurance coverage is essential to protect your business, your team, and your equipment.
At Wexford Insurance, we work exclusively with fence contractors, offering tailored fence contractor insurance designed for the unique needs of your trade. From small startups to large commercial operations, we help you stay protected and compliant.
Why Insurance Is Essential for Fence Contractors
Fence installation involves physical labor, heavy equipment, and job site hazards. Without proper coverage, a single accident or claim could jeopardize your business. Insurance not only protects your assets—it also builds trust with clients and helps you meet contract requirements.
Key Insurance Policies for Fence Contracting Businesses
Protects your business from third-party claims involving property damage or bodily injury. If a client trips over tools or a fence damages a neighbor’s property, this policy covers legal and medical costs.
Required in most states if you have employees. Covers medical expenses and lost wages if a worker is injured on the job.
Covers vehicles used for transporting tools, materials, and crews. Personal auto policies typically don’t cover business use, so this is essential for fence contractors with trucks or vans.
Protects your valuable gear—post hole diggers, augers, saws, drills—from theft, damage, or loss on job sites or in transit.
Covers your office, warehouse, or storage facility against fire, theft, vandalism, and other risks. Even if you operate from home, this coverage can protect business assets.
Provides an extra layer of protection beyond your standard liability policies. If a claim exceeds your general liability or auto limits, umbrella insurance helps cover the remaining costs—especially useful for larger commercial projects or high-risk job sites.
Why Choose Wexford Insurance?
Wexford Insurance is a niche-focused agency serving the construction and contracting industry. We specialize in fence contractor insurance, offering coverage tailored to your services—whether you install wood, vinyl, chain-link, aluminum, steel, railing, or pool fencing. Our team helps you meet client requirements, protect your assets, and operate with confidence.
Final Thoughts
Insurance isn’t just a formality—it’s a foundation for long-term success. With the right coverage, you can focus on growing your fence contracting business while staying protected from unexpected risks.
If you're starting or expanding your fencing company, Wexford Insurance is here to help you find the right coverage at the right price.
