Why do fence installation contractors need insurance?
Physical labor performed on someone else's property means high liability. Business insurance covers costs if a property owner steps in a post hole, or if someone steals your tools or lumber. Some insurance policies, like workers' compensation, are required by law.
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With Insureon, fence installers can get insurance coverage the same day they apply for quotes.
Fill out our easy online application to compare quotes from top-rated providers.
What types of insurance do fence installation contractors need?
These policies cover the most common risks of fence installation.
General liability insurance
A general liability policy helps pay for third-party lawsuits related to property damage and injuries, such as a customer who trips over a board. It's often required for a commercial lease.
- Third-party bodily injuries
- Product liability insurance
- Slander and other advertising injuries
Business owner's policy
A business owner's policy, or BOP, is a cost-effective way for fence installers to buy general liability coverage and commercial property insurance together.
- Accidental damage to a customer's property
- Customer bodily injuries
- Business property damage
Workers’ compensation insurance
Most states require workers' comp for fence installation businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
This policy covers third-party injuries and property damage caused by a fence company's vehicle, as well as damage to a vehicle from vandalism or weather.
- Physical damage and collision coverage
- Injuries caused to another person
- Vandalism and theft
Tools and equipment insurance
This policy helps pay for repair or replacement of a fence installation contractor’s post hole diggers, drills, and other tools if they are lost, stolen, or damaged.
- Equipment less than five years old
- Equipment that travels to job sites
- Small tools
Cyber insurance
Cyber insurance helps cover the cost of a data breach or cyberattack at your fence installation business. It's sometimes called cyber liability insurance or cybersecurity insurance.
- Data breach notification costs
- Fraud monitoring services
- Cyber incident investigations
How much does insurance cost for installation businesses?
A small business with a few workers will pay less for insurance than a large company.
Factors that affect premiums include:
- Installation services offered
- Business property and equipment
- Business revenue
- Types of insurance purchased
- Policy limits and deductibles
How do I get fence installation insurance?
It's easy to get insurance for fencing contractors and businesses if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find coverage that fits your fence company, whether you work independently or hire employees.
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