Wood-products specialty
Fence contractor and installer insurance.
Coordinate job-site liability, vehicles, equipment, employees, underground hazards and completed work.
Operations to describe
- Residential, commercial, agricultural or security fencing
- New installation, repair, fabrication and gate work
- Subcontracted work and subcontractor controls
- Excavation, utility-location and post-setting methods
- Height, welding, access-control and automation work
Coverage conversations
- General Liability and completed operations
- Commercial Auto and trailers
- Workers’ Compensation
- Tools, equipment and installation coverage
- Umbrella, license bonds, performance and payment bonds
Prepare for the quote
- Sales, payroll and subcontractor cost splits
- Vehicle and equipment schedules
- Written-contract and certificate practices
- Loss runs and project history
- Largest completed and projected jobs
Eligibility, exclusions, deductibles, valuation and coverage terms vary by carrier. A complete description helps avoid classification surprises and reduces follow-up.
Classification depends on the work actually performed
Wood privacy fencing, agricultural fence, ornamental metal, security fencing, automated gates, retaining walls and guardrails are not interchangeable. Report excavation, welding, electrical, access-control and fabrication work, as well as the percentage subcontracted.
Underground and completed-work claims
Utility strikes can create repair costs, service interruption and allegations of economic loss. Document locate requests, tolerance-zone practices, hand digging and incident response. Completed work may later be blamed for collapse, property damage, animal escape, security failure or gate injury.
Contract and certificate discipline
Review insurance requirements before pricing the job. Additional insured, waiver, primary/noncontributory and completed-operations requests may require endorsements and carrier approval.
Talk with a specialist