Why Fence Contractors Need Specialised Business Insurance Coverage
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 days ago
- 2 min read
Fence installation and repair work brings unique risks that generic contractor policies don’t always address. From underground utility strikes to heavy‑equipment injuries and property damage, fence companies need specialised business insurance coverage tailored to real job‑site exposures. Here’s what to consider before you request a fence installation business insurance quote.
1) Job‑Site Liability Is Different for Fencing
Fence projects often involve digging near utilities, working along property lines, and operating augers, post drivers, and concrete mixers. Fence contractor business insurance should include robust general liability with endorsements that address property damage to lawns, irrigation, hardscapes, and neighbouring parcels.
2) Tools & Equipment Move Constantly
Your crews transport high‑value power tools and small equipment between sites. An inland marine (tools & equipment) policy covers theft or damage in transit or at the job site, gaps that a basic property policy may leave exposed.
3) Vehicles and Trailers Are Central to Operations
Hauling posts, panels, and concrete requires trucks and trailers. Commercial auto is necessary (personal auto generally won’t cover business use) and should reflect actual business mileage, drivers, and trailer values.
4) Employee Injuries Are a Real Exposure
Manual lifting, cutting, and digging increase the risk of work injuries. Workers’ compensation (often required when you have employees) helps cover medical bills and lost wages, critical for crew safety and business continuity.
5) Installation Risks Don’t End at Completion
If a fence fails due to installation errors, you could face third‑party damage or injury claims. Discuss completed operations and contractor’s installation floater options so your policy responds after the job is finished.
6) Contract and Permit Requirements
Municipalities, HOAs, and commercial clients may require specific limits and additional insured/waiver of subrogation endorsements. A specialised policy streamlines certificates and keeps projects moving.
Get Coverage Built for Fence Contractors
Not all agents understand fencing risks. Wexford Insurance partners with carriers that specialise in fence contractor business insurance nationwide, helping you avoid coverage gaps and secure competitive pricing fast.
👉 Request your fence installation business insurance quote today at Wexford Insurance
