Specialized insurance protection for fence installers, repair specialists, and fencing companies. From residential wood fences to commercial chain link and security barriers, we provide comprehensive coverage that protects your business, your crew, and your equipment on every installation.
Fencing contractors face unique risks on every job—from underground utility strikes during post hole digging to property line disputes and material damage claims. The combination of excavation work, power tool operation, and working on customer property creates exposures that require specialized insurance solutions.
First Underwriters has been protecting fencing contractors throughout the Pacific Northwest for over 30 years. We understand your work—from setting posts and stretching chain link to installing ornamental iron and automated gates—and we build coverage programs that protect your business on every installation.
Comprehensive protection designed for the unique exposures of fence installation and repair
Protects against third-party bodily injury and property damage claims. Covers incidents like damaging a customer's landscaping, hitting irrigation lines, or injuries to bystanders on the job site.
Coverage for work trucks, trailers, and vehicles used to transport crews, materials, and equipment. Includes protection for post hole diggers, augers, and tools mounted on your vehicles.
Covers post hole diggers, augers, compressors, nail guns, saws, and hand tools. Protection against theft, damage, and breakdown whether equipment is on your trailer or at a job site.
Required coverage for employee injuries. Fencing work involves heavy lifting, power tool operation, and repetitive motion—protect your crew from strains, cuts, and other common injuries.
Protects against claims arising after a job is finished. Covers issues like fence failures, gate malfunctions, or property damage discovered after you've left the site.
Critical coverage for post hole digging operations. Protects you if you strike gas lines, electrical conduits, fiber optic cables, or irrigation systems during excavation.
From backyard privacy fences to commercial security installations, we have coverage for every type of fencing operation
Privacy fences, backyards, and property lines
Business properties and industrial sites
High-security perimeters and access control
Manual and automated gate systems
Commercial and residential chain link
Decorative metal fencing and gates
Repair and maintenance services
Solo installers and small crews
Whether you're installing residential privacy fences or commercial security perimeters, we tailor coverage to match your specific operations. Our policies can include specialized endorsements for gate automation, underground work, and high-value installations.
Get comprehensive fencing contractor insurance tailored to your operations and budget.
Request a Quote OnlineWe specialize in contractor insurance and understand the unique exposures fencing professionals face—from underground utility risks to gate automation liability.
Access to multiple insurance markets means competitive rates and coverage options—even for new contractors or those with claims history.
Property managers and general contractors need COIs fast. We provide same-day certificates so you never lose a job waiting on paperwork.
When claims happen, we're in your corner. Our team helps you navigate the process efficiently, protecting your reputation and getting you back to work.
Common questions about fencing contractor insurance
Costs depend on your annual revenue, number of employees, types of fencing installed, and claims history. A small residential fence company might pay $2,500-$5,000 annually for general liability, while larger operations doing commercial security fencing could pay $8,000-$20,000+. We provide free quotes tailored to your specific situation.
Yes—this is one of the most important coverages for fencing contractors. Standard general liability policies often exclude damage to underground utilities. If your post hole digger or auger strikes a gas line, electrical conduit, fiber optic cable, or irrigation system, you need specific coverage for these exposures. We always recommend this endorsement.
Property line disputes are a real risk for fence contractors. Your general liability policy typically covers the cost to remove and reinstall the fence if you're found liable. However, the best protection is requiring customers to provide a current survey before installation. We can discuss coverage specifics for your situation.
If you install automated gates, you may need additional coverage. Gate operators involve electrical work and can cause injuries if they malfunction. Some policies require an endorsement for low-voltage electrical work. If someone is injured by a gate you installed, completed operations coverage becomes critical. We can help ensure your policy matches your actual operations.
This is covered under your general liability policy as property damage to a third party. Whether you run over plants with your equipment, damage irrigation lines during digging, or harm existing landscaping during installation, your policy should respond. However, you should document the property's condition before starting work to protect against false claims.
Get comprehensive coverage tailored to fencing contractors. Free quotes, competitive rates.
First Underwriters Insurance Brokers • Protecting Pacific Northwest Contractors Since 1992
