Fence Installation Contractor Insurance: Quotes From $13/month

As a fence installer, you are often on the move, coordinating your people, getting the right equipment and products, and ensuring everything goes according to plan. 

The fence installation business is rampant with risks similar to drywall installation or door and window installation businesses. 

You face serious risks of lawsuits if you cause property damage or bodily injury while on the job site. What’s more, your property, including tools, equipment, and fencing materials could be damaged, stolen, or destroyed at the job site, your workshop, or while in transit. Further, employees working for your fencing company could get into serious accidents, which could take a financial toll on you if you were to be mandated to meet the cost of treatment. 

Consider purchasing fence installer insurance. Also known as fence installation insurance, this is a tailored policy that caters to lawsuits filed by general contractors and other clients, business income loss, employee claims, and other exposures.  Note that by having insurance, you can protect your income and boost revenues. 

Fence Installer Liability Insurance 

Suppose you fail to notify a third party that you’ll be testing the electrification of a fence, which unfortunately leads to injury. Further, what if a neighbor at a site you are working on notices that your vehicle damaged their yard or fence, and they ultimately demand compensation? Finally, consider this. What if a neighborhood kid gets injured trying to climb over a chainlink fence that you are installing, and you are expected to pay for the stitches?

All of these represent just but a few scenarios that you could be found liable for. Seeing as life is full of unseen and unplanned events, you want to stay proactive by investing in general liability insurance for fence installers. The general liability policy of a fence contractor insurance plan covers these:

  • Medical treatment of the claimant

  • Reimbursement for the damaged property of the claimant 

  • Legal defense and judgment 

  • Personal and advertising injury 

Just like a swimming pool installation business or a flooring installation business, your fence installation business is not legally required to have general liability coverage. However, operating the business without it means that you open yourself up to mounting expenses and the possibility of your reputation taking a hit.

Suppose you install an electric fence, but this fails to last as long as you’d assured your client it would. It is most probable that the client will seek compensation which is where products and completed operations coverage come in. Offered as part of general liability insurance, this pays the client if a fence you installed caused bodily injuries or property damage. 

Other than fence installer liability insurance, there are some other types of insurance that your fence company should obtain. These include: 

Professional Liability Insurance for Fence Installers

It’s best if you pair professional liability insurance to general liability insurance. Professional liability insurance grants a shield when a client files a claim and accuses you of committing:

  • Negligence

  • Receiving payment but not working on a project

  • Leaving a project unfinished

  • Inflating the cost of materials and your services 

Similar to the professional liability policy of tile contractors and kitchen and bathroom fitters, the professional liability policy of fence installation and fence contractors provides $1 million-$2 million that can be used to cover settlements, defense costs, and court judgments.

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Commercial Auto Insurance for Fence Installers 

When running a fence installation business, you will likely be transporting your materials and equipment to and from a site. This will often translate to a commercial vehicle that you use for these tasks.

To protect your business against financial loss, if any of your commercial vehicles were to be damaged in an accident or cause harm to another or their property, you will need to purchase commercial auto insurance for fence installers, siding contractors, and EIFS contractors

This policy pays for any repairs or replacement that needs to be done. Additionally, it will cater to the medical expenses or financial losses of persons who became victims of an accident your commercial vehicle caused. 

Workers’ Compensation Insurance for Fence Installers 

Given the nature of fence installation, your employees are likely to experience injuries while on the job. The most common include back injuries, cuts, or slips and falls. When these injuries occur, the workers’ compensation policy included in fence company insurance plans steps in to pay for any medical costs associated with their treatment. Some providers will also offer compensation for lost wages, thus cushioning your employees at the time when they are unable to perform their duties. 

In some instances, an aggrieved employee might decide to sue you. If the court were to find you liable, you would be required to pay compensation or settlement. 

To avoid such a situation from taking a financial toll on you, consider adding employer’s liability insurance to workers compensation insurance for fence contractors, masonry contractors, and paving contractors. This policy caters to the legal fees of such lawsuits as well as the resulting judgments. 

Commercial Property Insurance for Fence Installers 

This policy covers your office or warehouse and its contents, including your tools, material, equipment, furniture, computer, fencing inventory, and more. If a covered peril were to occur, including severe weather or fire, the policy would cover the costs of repairs or rebuild. 

Often, following the loss of property or destruction of your premises, you will need some time for repairs or rebuilding. During this time, you will likely incur some loss in business income. 

To prevent the interruption from taking a significant toll on your business, consider having your provider include a business interruption policy in your commercial property insurance. This policy compensates you for the lost business income and pays for certain operating expenses as stipulated within your policy document.  

Business Owner’s Policy for Fence Installers 

If you are keen on securing a budget without compromising the amount of coverage you receive, consider getting a business owner’s policy (BOP). This combines general liability insurance and commercial property insurance into one policy. You end up paying a fraction of the price you would have otherwise paid had you purchased a standalone general liability and commercial property insurance. 

Commercial Umbrella Insurance for Fence Installers 

If you anticipate a situation where you face a very expensive claim, you can get protection in the form of a commercial umbrella policy. If the costs of a lawsuit exceed the limit stipulated within your general liability policy, your commercial umbrella policy steps in with significantly higher coverage limits. This inclusion in fencing contractors insurance packages ensures you do not have to pay out of pocket at any point in time.

Equipment Breakdown Insurance for Fence Installers

Equipment breakdown insurance covers repair or replacement if the implements you use to install fences such as hammers, tape measures, saws, and drills get lost or damaged because of:

  • Fire

  • Theft

  • Vandalism

  • Electrical surge

  • Electrical shorts

  • Mechanical breakdown

You get $10,000-$25,000 coverage by purchasing equipment breakdown insurance as a stand-alone policy. It’s also possible to have this as a floater to general liability insurance or commercial property insurance. However, you might only get $2,500-$5,000 worth of coverag

Employee Dishonesty Coverage for Fence Installers 

Suppose one of your employees were to steal fencing material or equipment, your business would typically be required to absorb the losses. This would take a toll on your finances and your reputation, which is where employee dishonesty coverage comes in. The policy protects your business from the dishonest acts of your employees, including theft, fraud, or unauthorized transfer of funds. 

Fence Installer Insurance Cost 

Fence installer insurance cost $40 per month or $480 per year for a $1 million general liability insurance. This assumes that you have 5 employees and generate $500,000-$750,000 revenue per year. 

Below is a breakdown of what you’d typically pay working with the best fence installer insurance companies available:


Cost per Month Cost per Year Best for
NEXT $27.50 $ 330 Best overall; Fastest general liability insurance for fence installers
CoverWallet $29.25 $ 351 Fence installer insurance quotes comparison online
Tivly $31 $ 372 Comparing fence installer insurance quotes over the phone
Thimble $33.59 $ 403.08 Short-term general liability insurance for fence installers
Hiscox $35 $ 420 General liability insurance with worldwide coverage for fence installers
Nationwide $40 $ 480 Commercial auto insurance


When putting together a quote for your fence installer insurance, providers will often consider different factors. These include: 


The nature of your projects 

Suppose you specialize in picket fences for residences. By nature of this work, your premiums will be significantly lower than for another fence installer that builds fencing for construction sites or installs electric fencing. 


Your company’s claim and accident history 

If you have a high number of accidents on record, chances are that the insurance provider will be a bit anxious when offering your coverage. However, do not fret if this is your predicament. Most providers will be willing to work with you around this challenge to ensure you get the best possible cover. 


Age of your fencing installation business 

When your business has been in existence for a long time, it signifies that you have the ability to survive. This long tenure is viewed favorably when considering how much you’ll pay for your fence installer insurance. 

This is not to say that younger businesses are frowned upon. All that’s required for you to get favorable premiums for your policy is proof that you are invested in building your expertise over time. 


Where your business is located 

Consider this. If your business is located in a neighborhood with high crime or theft rates, the provider is likely to hike your fence installer insurance cost. 

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Best Fence Installer Insurance Companies 

If you are in the market for the best fence installer insurance companies, here are a few options you might want to consider. 


NEXT Fence Installer Insurance


  • Best overall

  • Get an online proof of insurance and send as a text message, email, or social media post

  • Fastest general liability insurance for fence installation contractors

  • Great customer service and reputation

  • Issues an online proof of insurance instantly

  • Outstanding value for money

  • Bundle two or more insurance policies and get a 10% discount


  • Couldn’t find any

NEXT’s fences and gates installer insurance offers the following policies:

  • General liability insurance

  • Contractors’ E&O insurance

  • Workers’ compensation insurance

  • Tools & equipment insurance

  • Commercial property insurance

  • Commercial auto insurance

NEXT offers basic, premiere, and deluxe protection plans. Note that you might enjoy only one or all of the above-mentioned policies depending on which coverage option you choose. 

NEXT’s basic insurance plan is the cheapest. This only offers a general liability policy with a $1 million per occurrence limit. 

The deluxe coverage option is the most comprehensive. You get $1 million general liability insurance, $1 million professional liability insurance, $2,500-$5,000 equipment insurance, and workers compensation insurance from this. Commercial property and commercial auto insurance can be added as optional policies. 

Best for: Best overall; Fastest general liability insurance for fence installers  

Average cost: $27.50 per month 

Our rating: 10/10

CoverWallet Fence Installer Insurance


  • Stable rates 

  • Compare fence installer insurance quotes online

  • Cancel a coverage anytime with no charges

  • General liability insurance can be added with terrorism coverage


  • Not an insurance company but an insurance broker 

CoverWallet doesn’t have a fence installer insurance program. Instead, you can get covered through this company’s insurance plan for professional, scientific, and technical service businesses. Policies that you’ll get are general liability, workers compensation, business owner’s policy, and professional liability. 

Your general liability insurance from this company provides $1 million-$2 million coverage. Professional liability insurance, on the other hand, has a $1 million per occurrence limit. 

Note that CoverWallet doesn’t underwrite the policies it sells to you. It only helps you find the best coverage options with its online quotes comparison tool. Policies you get from this company can come from CNA, Hiscox, Liberty Mutual, and other partners. 

Best for: Fence installer insurance quotes comparison online

Average cost: $29.25 per month

Our rating: 10/10

Tivly Fence Installer Insurance 


  • Responsive customer service

  • Call and compare fence installer insurance quotes over the phone

  • A partner of many reputable insurance companies


  • Not an insurance company but an insurance broker 

Tivly doesn’t have a fence installer insurance plan. But this company still provides coverage through its contractor insurance program, which offers general liability, workers compensation, commercial auto, and professional liability insurance. Call Tivly now to compare fence installer insurance quotes over the phone. 

Best for: Comparing fence installer insurance quotes over the phone

Average cost: $31 per month

Our rating: 10/10

Thimble Fence Installer Insurance


  • Quick to issue quotes

  • Sells short-term general liability insurance for fence installers

  • Now live in New York


  • You can’t reach customer service by calling 

Thimble’s fence installer insurance is divided into three types-regular fence installer insurance, invisible fence installation insurance, and dog fence installation insurance. You can get $1 million-$2 million general liability, $25,000-$500,000 commercial property, and workers compensation policies from this company. 

By the way, Thimble’s general liability policy for fence installers is available as a short-term coverage that lasts for hours, days, weeks, or months. 

Best for: Short-term general liability insurance for fence installers

Average cost: $33.59 per month

Our rating: 9/10


Hiscox Fence Installer Insurance


  • Worldwide coverage 

  • The policy can be purchased online 

  • Quotes delivered in minutes upon request 

  • Discounts of up to 5% are available to policyholders who buy two or more Hiscox products 

  • 14-day money-back refund policy

  • No added fees for the monthly payment option 


  • BOPs are not available in several states 

Hiscox is a long-standing insurer with almost 120 years of experience in the insurance industry. The provider has received high ratings from both AM Best and BBB, which evokes confidence. Prospective policyholders can purchase the policy online, via independent insurance agents, or through Geico. 

The cost of your fence installer insurance is arrived upon depending on the amount of coverage you purchase, the location of your business, business type, and associated risk factors. You get general liability coverage and a business owner’s policy, and cyber insurance. 

If you are just starting out and, as such, are a small business hiring its first employees or you have part-time or full-time employees, then Hiscox is great. What makes the provider stand out is that it offers a customizable BOP which makes it possible to include the specific risks your business faces. 

Best for: General liability insurance with worldwide coverage for fence installers

Average cost: $35 per month

Our rating: 8/10 


Nationwide Fence Installer Insurance 


  • Strong financial backing 

  • Many discount opportunities available to policyholders 

  • Variety of coverage options on offer 

  • Claims can be filled via the phone, online, mobile app, or through one of the independent insurance agents 


  • Higher average insurance costs 

  • Mixed customer reviews 

Founded in 1925, Nationwide has since become a leading insurance company covering all 50 states. You get to have comprehensive fence installer insurance that includes general liability, commercial property coverage, and commercial auto insurance. What stands out about Nationwide is its commercial auto offering. If you have a couple of commercial vehicles, you will receive multi-policy discounts, which will significantly reduce your annual premiums. If you were to stay claims-free on your commercial auto insurance, you will further reduce your premium. Overall, if you have a fleet of vehicles that you use for your fence installation business, you ought to consider Nationwide. 

Best for: Commercial auto insurance 

Average cost: $40 per month 

Our rating: 8/10

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Get all the best quotes from leading providers in a click of a button!

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