Why Framing Contractors Need Specialised Business Insurance
- Nate Jones, CPCU, ARM, CLCS, AU
- 21 hours ago
- 2 min read
Framing contractors face unique risks that standard business insurance often fails to cover. From structural responsibilities to high‑risk job sites, specialised business insurance for framing contractors is essential to protect your company, crew, and income.
Framing Work Carries Higher‑Than‑Average Risk
Framing involves elevation, heavy lumber, power tools, and time‑sensitive construction schedules. A single accident, such as a worker injury or structural damage, can result in expensive claims or lawsuits. Construction framing consistently ranks among the higher‑risk trades due to fall hazards and material handling incidents.
Because of this exposure, generic contractor policies may exclude or limit coverage for common framing risks.
Standard Policies Don’t Fit Framing Contractors
Many small businesses purchase one‑size‑fits‑all insurance, only to discover coverage gaps after a claim is denied. Framing contractors need customised coverage that reflects:
Structural liability exposure
Job site injury risk
Contract requirements from builders and developers
High‑value tools and equipment
What Specialised Framing Insurance Covers
A specialised framing contractor insurance policy typically includes:
General Liability Insurance for property damage and bodily injury
Workers’ Compensation Insurance for employee injuries
Commercial Auto Insurance for business‑use vehicles
Tools and Equipment Coverage for theft and damage
Professional Liability Insurance for framing errors or contract disputes
These policies are structured to match how framing contractors actually work, not how insurers assume they work.
Why Specialised Coverage Helps You Win More Work
Most general contractors and developers require framers to carry specific coverage limits before awarding contracts. Having the right insurance:
Builds credibility
Reduces project delays
Protects cash flow during disputes
Get Specialised Framing Insurance from Wexford Insurance
Wexford Insurance specialises in customised insurance solutions for framing contractors and construction professionals. Their experienced team understands trade‑specific risks and helps you secure coverage that meets job requirements without overpaying.
👉 Request a specialized framing contractor insurance quote from Wexford Insurance today and protect your business with coverage built for how you work.
