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Contractors’ insurance protects against the financial risks present at all stages of business operations.
Fencing installation and repair is a large group when you consider the various types of specialty contractors requiring a license throughout the United States. These specialty contractors construct, erect, repair, or maintain all types of fencing on the premises of another. They are particularly vulnerable to liability claims for bodily injury and property damage from third parties, in addition to employees being at risk of work-related injuries and illnesses.
Obtaining a comprehensive contractors’ insurance package is essential in securing financial protection against workplace accidents or third-party property claims.
Fence installers’ general liability insurance lays the foundation for your commercial insurance portfolio.
It covers your business for costs that result from bodily injury and property damage claims, medical expense payments, products and completed operations, and personal injuries (slander and libel).
Fencing contractors’ liability insurance also pays for defense costs if legal action is brought against your company by a third party.
The contractors licensing board may require that your company maintain an active fencing contractor workers’ comp policy before issuing a license to work in your state.
Fence installers’ workers’ compensation pays medical expenses and lost wages if an employee suffers a work-related injury or occupational illness.
Most state licensing boards require a fence installers’ surety bond to activate a contractor’s license.
A fencing contractors’ surety bond is a financial guarantee that a project will complete as agreed to in a bid.
Fencing contractors’ commercial auto insurance covers company vehicles in an at-fault accident, damaged from vandalism, or stolen.
A fence installers’ commercial auto policy provides higher limits, unlimited drivers and vehicles, and other forms not available on a standard auto policy.
Fencing contractors use a diverse set of expensive tools and equipment in the shop and at the job site.
A fence installer tool and equipment policy (fencing contractors’ inland marine insurance) provides reimbursement when damaged by a covered peril or stolen.