Coverage Options
Fencing Contractor Insurance
Every policy a fencing contractor needs — in one place, from specialists who understand job-site, tools, materials, and crew risk.
General Liability Insurance
General liability covers third-party injury and property damage tied to your fencing jobs — a neighbor's sprinkler line hit while digging post holes, a passerby injured by an open trench, or damage to a client's landscaping. It's the baseline policy almost every fencing contract requires.
- Third-party bodily injury on the job site
- Property damage (landscaping, utilities, structures)
- Products-completed operations base
- Personal & advertising injury
Workers Compensation Insurance
Workers comp is mandatory in nearly every state from your first employee. On a fencing crew it's essential coverage — it pays medical costs and lost wages when a worker is injured by an auger, wire, a power tool, or heavy post/panel handling, and shields you from employee injury suits.
- Medical expense coverage
- Lost wage replacement
- Auger & power-tool injuries
- Material-handling & lifting injuries
Tools & Equipment Insurance
Tools & equipment insurance (inland marine) covers the augers, post drivers, welders, compressors, and hand tools your fencing crew depends on — against theft, damage, and loss while on a job site, in transit between sites, or stored in your yard.
- Power augers & post drivers
- Welders & fabrication equipment
- Hand & power tools
- Trailer-mounted compressors & generators
Commercial Auto Insurance
Commercial auto covers the vehicles your fencing business owns, leases, or uses — pickup trucks, flatbeds, and material trailers — for liability, physical damage, and the cargo and people they carry on the road.
- Auto liability (bodily injury & property)
- Collision & comprehensive
- Hired & non-owned auto
- Trailer & towed-equipment coverage
Commercial Umbrella Insurance
A commercial umbrella extends your liability limits beyond what your underlying general liability, commercial auto, and employer's liability provide — increasingly required for fencing contractors bidding larger commercial and municipal jobs.
- Excess general liability limits
- Excess commercial auto limits
- Excess employer's liability
- $1M–$5M additional protection
Completed Operations Coverage
Completed operations covers claims that arise after your fencing work is finished and you've left the site — a fence panel that comes loose and damages a car, a gate that fails and injures someone, or a boundary fence blamed for water drainage onto a neighbor's property.
- Fence collapse & structural failure claims
- Gate malfunction injury/property claims
- Drainage & boundary disputes
- Latent defect claims
Installation Floater Insurance
An installation floater covers fence materials — panels, posts, gates, hardware, and concrete — from the moment they leave your supplier until they're permanently installed, protecting against theft, weather damage, and loss while staged on an active job site.
- Materials in transit to the job site
- Job-site staging theft & vandalism
- Weather damage to staged materials
- Gate hardware & automatic operators
Contractor License & Permit Bonds
Many municipalities and states require fencing contractors to carry a license bond or permit bond before issuing a business license or a fence installation permit. A bond is not insurance — it protects the public and guarantees you'll follow licensing rules and building codes.
- Contractor license bonds
- Fence & right-of-way permit bonds
- Performance bonds for larger contracts
- State & municipal licensing compliance
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