Insurance for fence contractors.
General liability, workers’ comp, commercial auto, and equipment coverage for augers, skid steers, and trailers, for residential, commercial, and farm fence installers.
What fence contractors usually carry
- General liability, $1M / $2M
- Workers’ comp
- Commercial auto
- Augers, skid steers, and trailers
- Rented equipment
- Umbrella
Watch for these in a fencing policy
- Buried linesAn auger through a gas, water, or fiber line is the classic fence claim. Some policies exclude underground damage, so check for that exclusion before you dig.
- Fences over the property lineA fence built on the wrong side of the line is usually not covered. Moving it is the cost of redoing your work, not an accident. Get the survey or find the pins before you set posts.
- Pool barriersA pool gate that doesn’t latch can lead to a drowning claim years after the job. Completed operations answers, and some carriers ask how much pool fencing you do.
- Farm and livestock fencesLivestock that get out through a failed fence and cause a car wreck can come back to you as a completed operations claim.
- Electric and security fencingElectrified, razor wire, and security fencing are rated differently, and some policies exclude them. List them if you install them.
What homeowners, HOAs, and GCs ask fence contractors for
- Additional insuredGCs, HOAs, and commercial owners usually ask to be named for ongoing and completed operations.
- Utility locatesContracts often make you responsible for calling in locates and for any line you hit.
- Auto liabilityFor the truck and trailer on their property, often at $1M.
- Waiver of subrogationCG 24 04 on commercial work.
Questions fence contractors ask
Straight answers.
The questions we hear most, answered plainly.
Am I covered if I hit a gas line digging post holes?
Usually yes, as property damage, unless the policy excludes underground damage. Having the locate done and marked is what keeps the claim clean.
What if the fence goes up on the neighbor’s side of the line?
Moving it is usually your cost. General liability covers accidents that damage other property, not work built in the wrong place.
Are my auger and skid steer covered?
Not by general liability or auto. They need an equipment floater, and rented machines need rented equipment coverage.
How fast can I get a certificate?
Once your policy is bound, you request certificates from your client login, with the wording your contract asks for.
Can I pay monthly?
Yes. Most policies can be paid in full or monthly.
Contractors and trades
Related industries.
Don’t see yours? See every industry, or tell us what you do and we’ll quote it.
General liability, $1M / $2M, Workers’ comp, Commercial auto
DemolitionGeneral liability, $1M / $2M, Workers’ comp, Commercial auto
Paving and sealcoatingGeneral liability, $1M / $2M, Workers’ comp, Commercial auto
HandymanGeneral liability, $1M / $2M, Tools and equipment, Commercial auto
RemodelingGeneral liability, $1M / $2M, Builder’s risk, Workers’ comp
House flippingBuilder’s risk or vacant dwelling property, General liability, $1M / $2M, Theft and vandalism