Comprehensive Coverage for Fence Contractors — Safeguard Every Installation
Protect your fencing business with customized insurance solutions that address the unique challenges of your industry. From residential fences to large commercial installations, this insurance ensures you’re covered against unexpected events, allowing you to complete projects with confidence.
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Why Fencing Contractors Require Specialized Coverage
The fencing industry presents specific risks that can result in significant financial losses. Without the right insurance, accidents or damages could lead to costly repairs and delays. Fencing insurance offers essential protection against:
- Material Damage: Outdoor work exposes your materials to risks like weather damage or accidents. This insurance covers the cost of replacing damaged materials, ensuring your project stays on track.
- Property Damage: Working near buildings or landscaping presents the possibility of accidental damage. Liability coverage protects you from financial strain by covering repair costs for property damage.
- Injuries During Installation: Fencing work involves heavy tools and manual labor, increasing the risk of injury. Workers’ compensation insurance covers medical expenses and lost wages if a team member is injured on the job.
Common Risks in Fence Installation Work
Fence installation often takes place in unpredictable environments, leading to potential accidents or delays. A well-rounded insurance plan protects your business from financial fallout in the event of these issues:
- Tool-Related Injuries: Using power tools such as augers or nail guns carries the risk of injury. Proper insurance covers medical expenses and lost work time.
- Property Incidents: Equipment or vehicles can cause accidental damage to surrounding properties, requiring costly repairs.
- Weather Disruptions: Sudden changes in weather can halt progress, damage materials, and delay project completion.
- Utility Mishaps: Digging for posts near underground utilities can cause unintended damage to pipes or wires, leading to expensive repairs and potential legal action.
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Key Advantages of
Our Fencing Insurance Plans
Choosing our fencing insurance package comes with numerous benefits tailored to the specific needs of contractors in the industry. Here’s what you can expect:
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Competitive Pricing from Leading Insurers:
Our partnerships with top insurance providers allow us to offer comprehensive coverage at affordable rates, ranging from $2,500 to $4,000, depending on your business size and location.
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Efficient Claims Process:
When incidents occur, quick resolution is critical. Our insurers process claims swiftly, allowing you to resume work without major disruptions.
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Flexible Payment Structures:
Understanding the financial complexities of the fencing industry, we offer flexible payment schedules, including quarterly or annual options, to suit your business’s cash flow.
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Tailored Protection:
Our insurance experts understand the unique challenges faced by fencing contractors. We customize policies to meet your specific needs, ensuring all risks are covered, from liability to workers’ compensation.
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Statewide Compliance:
We provide state-specific guides and solutions to help you navigate local insurance regulations, ensuring your business is protected and fully compliant across different regions.
Fencing Insurance Rates And Coverage
This table displays typical rates and coverage for Fencing General Liability
for $1 Million/$2 Million Policy.
| State | Coverage | Guard | Travelers | Attune | Nation Wide | Tokio Marine |
|---|---|---|---|---|---|---|
| IL | 1M/2M | $3915 | $1200 | $1250 | $2022 | $928 |
| IN | 1M/2M | $3843 | $1100 | $1196 | $1810 | $928 |
| CA | 1M/2M | $3950 | $1250 | $1290 | $2100 | $1100 |
| PA | 1M/2M | $3841 | $1100 | $1196 | $2025 | $850 |
| WA | 1M/2M | $3799 | $1130 | $1150 | $1950 | $900 |
| GA | 1M/2M | $3721 | $1100 | $1145 | $1810 | $825 |
| CO | 1M/2M | $3721 | $1090 | $1110 | $1810 | $825 |
| TX | 1M/2M | $3721 | $1000 | $1080 | $1810 | $825 |
Annual premium above includes unlimited certificates of insurance.
Rating assumes 150,000 gross revenues for Fencing/general contracting with 10% subcontractor costs.
Premium are subject to underwriting approval and financing charges may apply.
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What Does Fencing Insurance Cover?
We want you to understand exactly what this unique form of insurance does beyond descriptions like this. That’s why we’ve offered a series of definitions, as well as examples of claims that fall under each category. The list below gives you what you need to know:
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Injuries to the Body:
This refers to any physical harm a third party sustains while you’re on the job.
Example: You fail to notify a client that you’re testing the electrification of a fence at a certain hour, which leads to moderate to severe injury.
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Damages to the Property:
Any property damage that affects the client or a potential third party, such as a neighbor.
Example: A neighbor notices that your vehicle has damaged their yard or garden during a project, and they demand monetary compensation for those damages.
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Personal Injury:
Any injury that negatively affects the reputation or emotional state of a third party.
Example: A fence that you built around a property attracts graffiti artists in the area, damaging the reputation of the business next door.
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Advertising Injury:
Any false claim or direct attack made against a third party, as in libel or copyright infringement.
Example: Your company accidentally creates a logo that is uncannily similar to your competitor’s logo, so much so that your competitor sues for copyright infringement.
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Medical Payments:
This covers the medical bills of a third party caused by a painting-related injury.
Example: The client’s child gets injured trying to climb over the chainlink fence you’re in the process of building. Your insurance can pay for the stitches required to heal the laceration.
What’s Not Covered by Fencing Insurance?
While fencing insurance provides comprehensive protection, it’s important to know its limitations. Some instances where coverage may not apply include:
- Pre-existing Structures: Coverage does not extend to already completed structures or projects.
- Employee Injuries: Injuries sustained by employees are typically handled under workers’ compensation, not general liability insurance.
- Mechanical Failures: Damages caused by faulty equipment or mechanical breakdowns are not covered.
- Contractor’s Tools: Tools owned by contractors often require separate insurance for theft or damage protection.
- Intentional Damage: Acts of vandalism or intentional harm to property are not included in coverage.
Why Investing in Fence Insurance Is Essential?
Fencing insurance is crucial for protecting your business and ensuring projects proceed without costly interruptions. It offers protection against potential risks, helping to safeguard your financial investment and maintain project timelines. Many contractors also find that insurance is required to secure contracts, making it a vital component of long-term business success.
Here’s What Contractors Think
FAQ: What Is Excluded from Fencing Insurance Coverage?
No, it only applies to ongoing projects or installations, not previously completed work.
No, workers’ compensation is required to cover injuries sustained on the job site.
No, this insurance does not cover equipment malfunctions; separate coverage may be needed.
Generally, no. Contractors should seek additional coverage for their tools and equipment.
No, fencing insurance does not cover damages caused deliberately.
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