Fencing contractors

Fencing contractor insurance for every post, panel and gate

Post-hole digging near buried utilities, property-line disputes, power tools and work on customer property all create exposures a generic contractor policy can miss. We insure fence installers and fencing companies across the Pacific Northwest, from residential wood fences to commercial security perimeters.

Same-day certificates · Options for new contractors

Essential coverage

Coverage built for fence installation and repair

General liability

Third-party bodily injury and property damage, such as damaging a customer's landscaping, hitting irrigation lines or injuring a bystander on the job site.

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Commercial auto

Work trucks, trailers and vehicles that carry crews, materials and equipment, including post-hole diggers, augers and tools mounted on your vehicles.

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Tools and equipment

Post-hole diggers, augers, compressors, nail guns, saws and hand tools against theft, damage and breakdown, on your trailer or at a job site.

Workers' compensation

Required coverage for employee injuries. Heavy lifting, power tools and repetitive motion lead to strains, cuts and other common injuries.

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Completed operations

Claims after a job is finished, such as fence failures, gate malfunctions or property damage discovered after you've left the site.

Underground utilities

Coverage for post-hole digging if you strike gas lines, electrical conduit, fiber optic cable or irrigation systems.

Who we insure

Fencing businesses we insure

Residential fencing

Privacy fences, backyards and property lines.

Commercial fencing

Business properties and industrial sites.

Security fencing

High-security perimeters and access control.

Gate installers

Manual and automated gate systems.

Chain link specialists

Commercial and residential chain link.

Ornamental iron

Decorative metal fencing and gates.

Fence repair

Repair and maintenance services.

Owner-operators

Solo installers and small crews.

All operations

Coverage for every kind of fencing work

We tailor coverage to your operations, with endorsements available for gate automation, underground work and high-value installations.

Residential

  • Privacy fencing
  • Decorative fencing
  • Pool enclosures

Commercial

  • Perimeter security
  • Access control
  • Industrial barriers

Gate systems

  • Swing and slide gates
  • Automatic operators
  • Access keypads

Specialty work

  • Athletic fields
  • Farm and ranch
  • Temporary fencing
Why work with us

Brokers who know the construction trades

Contractor focus

We've insured Pacific Northwest contractors since 1992 and understand fencing exposures, from underground utility risk to gate automation liability.

Broad market access

As a broker, we compare more than 50 carriers for coverage and price, including options for new contractors and those with a claims history.

Same-day certificates

Property managers and general contractors need certificates quickly; we issue them the same day.

Claims support

When a claim happens, we help you through the process efficiently so you can get back to work.

FAQ

Common questions about fencing contractor insurance

How much does fencing contractor insurance cost?
Cost depends on annual revenue, number of employees, types of fencing installed and claims history. A small residential fence company might pay $2,500 to $5,000 a year for general liability, while larger operations doing commercial security fencing could pay $8,000 to $20,000 or more. We provide quotes based on your specific situation.
Do I need underground utilities coverage?
Yes, it's 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 it. We recommend this endorsement for every fencing contractor.
What if I install a fence on the wrong property line?
Property-line disputes are a real risk. General liability typically covers the cost to remove and reinstall the fence if you're found liable. The best protection is requiring customers to provide a current survey before installation, and we can review coverage specifics for your situation.
Do I need special coverage for automated gate installation?
You may. Gate operators involve electrical work and can injure someone if they malfunction. Some policies require an endorsement for low-voltage electrical work, and completed operations coverage is critical if someone is hurt by a gate you installed. We'll make sure your policy matches your actual operations.
What if I damage a customer's landscaping or sprinkler system?
That's third-party property damage under general liability, whether you run over plants with equipment, damage irrigation lines while digging or harm existing landscaping. Document the property's condition before starting work to protect against false claims.

Protect your fencing business

Get coverage built around fencing work, with quotes compared across contractor markets.

Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. Cost ranges are general examples, not quotes. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.

Call(800) 800-9644Get a quote