Business Insurance for Fence Installation

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Fence Installation
New fence installed in a yard.
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Why do fence installers 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.

Man installing wood fencing in a backyard.
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Get same-day insurance

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 businesses need?

These policies cover the most common risks of fence installation.

General liability insurance icon

General liability insurance

General liability coverage helps pay for third-party lawsuits, such as a customer tripping over a board. Bundle with property insurance for savings in a business owner’s policy (BOP).

  • Third-party bodily injuries
  • Product liability insurance
  • Slander and other advertising injuries
Workers’ compensation insurance icon

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
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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
Contractor’s tools and equipment coverage icon

Contractor’s 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
Looking for different coverage? See more policies.

How much does insurance cost for installation businesses?

Installer calculating insurance costs.

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
View Costs

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
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"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
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"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
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