Fencing Insurance

business protected by fencing insurance

Nail Down Business Coverage With Fencing Insurance

You’ve put in the work to build a fencing business that stands strong, but every job comes with risks. Fencing insurance helps protect your business from financial setbacks, so you can focus on delivering quality work.
 
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business protected by fencing insurance

What Is Fencing Insurance?

Fencing insurance is made up of different types of business insurance designed to protect your fencing business from the legal and financial impact of claims related to common risks you might face, like accidents, injuries or property damage. Even small disruptions can prove costly when you have a packed schedule. With fencing insurance, you can feel confident that you're better prepared for:
 
  • Customer injuries
  • Personal injuries
  • Property damage
  • Stolen equipment

Why Might You Need Fencing Insurance?

Your work is highly demanding, and every job comes with potential risks. Whether you’re handling heavy materials or juggling multiple jobsites, accidents can happen in an instant. Fencing insurance can protect you from claims like:
 
  • Bodily injuries: A worker or customer slips, trips or gets injured on the jobsite.
  • Property damage: Your crew accidentally damages a client’s brickwork when bringing in materials, or a dropped nail causes a flat tire.
  • Equipment loss: Essential tools break or go missing, causing costly delays.
male small business owner protected by fence company insurance

Who May Need Fencing Contractors Insurance?

The Hartford designed its business insurance coverages with fencing contractors in mind. Our insurance solutions can help protect:
 
  • Residential fencing contractors
  • Commercial fencing companies
  • Fence installation professionals
  • Fence repair specialists
  • Fence material suppliers
  • Security fence installers

What Type of Insurance Do I Need for My Fencing Company?

Many fence contractors have a Business Owner’s Policy (BOP) as the foundation of their insurance plan for the peace of mind it can provide. It includes three types of coverage to help protect your business from claims of bodily injury, property damage and lost revenue.

A BOP includes: 
 
General liability insurance to help protect your fencing business from claims that it caused bodily injury or property damage to others, like if your skid steer damages a client’s sprinkler system.
 
Commercial property insurance to help protect your owned or rented building, as well as the tools, equipment, inventory and supplies you use to operate your installation business. These can include:
 
  • Power tools and equipment
  • Fence panels and materials
  • Workwear and safety gear
  • Signage and jobsite supplies
Business income insurance to help replace lost income if you can’t operate your fencing business temporarily because of a covered event like fire, theft or wind.
 
At The Hartford, we know that no two fencing businesses have the same needs or face the same risks. That’s why we’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection, including: 
 
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Get coverage for accidents, property damage and equipment loss, so you can keep building your business with confidence.
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How Much Does Fence Company Insurance Cost? 

Fencing insurance costs vary because every business is unique. Some of the average costs The Hartford’s small business customers in this industry pay for common types of coverage are:**
 
  • BOP: $3,074 a year, or about $256 a month
  • Stand-alone general liability insurance: $1,382 a year, or $115 a month
  • Workers’ compensation insurance: $2,623 a year, or about $219 a month
It’s important to remember that the cost of your fencing business insurance may be different than the average. That’s because every business owner has specific needs, and insurers may use several factors to determine rates. The best way to find out how much you’ll pay for insurance is to get a quote.
male small business owner happy to have fencing contractors insurance

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Covering Your Operations

You take pride in delivering flawless fencing projects, but unexpected setbacks can bring your work to a halt. Fencing insurance can help protect you from these disruptions. 
There were over 110,000 nonresidential building fires in the United States in 2023.1
general liability for fencing businesses

General Liability Insurance

“A customer’s neighbor said we damaged their lawn while installing a fence, and they weren’t happy about it. Next thing I knew, I was dealing with a costly claim.”
 
General liability insurance helps cover claims that your fencing business damaged someone else’s property. This type of insurance can help pay for repair costs.
cyber liability insurance for fencing businesses

Business Income Insurance

“A fire destroyed our storage area, damaging all our fencing materials. We lost weeks of work just waiting for new supplies to arrive.”
 
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities when your business is unable to operate temporarily because of property damage from fire, theft, wind or vandalism.

Taking Care of Your Team

From material transport to client coordination, your team is the backbone of your fencing business. When unexpected challenges come up, the right insurance can help you cover workplace injuries, illnesses and employment disputes.
$665 million was awarded in workplace discrimination lawsuits in 2023.2
workers compensation for fencing businesses

Workers’ Compensation Insurance

“One of our guys slipped while pulling panels off the truck and messed up his back, putting him off work for a month.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages if they can’t work. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
EPLI for fencing busineses

Employment Practices Liability Insurance (EPLI)

“My project manager was named in a lawsuit from a former employee for harassment.”
 
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment.

Protecting Your Property

Your fencing business relies on valuable tools, from power drills and saws to trucks and heavy equipment. Whether something is damaged in an accident, stolen or destroyed by a storm, insurance can help repair or replace your property, so your business doesn’t lose momentum.
On average, work-related crashes cost employers $75,000 per injury.3
commercial property insurance for fencing businesses

Commercial Property Insurance

“My crew took an off-site lunch break and when they got back, a bunch of our tools were gone.”
 
Commercial property insurance helps protect your owned or rented building, as well as the equipment, tools, supplies and inventory you use to run your fence company.
commercial auto insurance for fencing businesses

Commercial Auto Insurance

“My foreman rear-ended another car at a stop light. The work truck was heavily damaged, and the other car had to be towed away.”
 
Commercial auto insurance can help cover the costs of an auto accident that occurs while you or one of your employees is using a company-owned vehicle for work.

Frequently Asked Questions About Fencing Insurance

Fencing insurance is a collection of coverages designed to help protect your business from various risks. For example, if your worker accidentally damages a neighbor’s property while installing a fence or if a saw breaks during a job, the right type of insurance can help cover the repair and replacement costs. You can also get other insurance coverages to help protect your company’s vehicles and your employees while they’re driving them.
Fencing insurance can help shield you from the financial impact of the risks you face every day. Whether you're installing a high-security fence for a commercial property or working on a residential project, one unexpected accident could lead to a costly claim. Insurance can help you handle legal fees and damages, like if you need to replace a stolen tool or cover medical bills for an injured worker. With comprehensive coverage solutions, you can stay focused on building your business.
The best way to get fencing insurance from The Hartford is to get a quote. We make it easy for you to get a fast and free insurance quote online. In just a few minutes, you can find customized insurance solutions for the needs of your fencing installation business.
business protected after getting fencing insurance quote

Protect Your Projects With Fencing Insurance

Get the coverage you need to keep building with confidence.
 
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Related Articles

 
 
Last Updated: February 23, 2026
 
1 U.S. Fire Administration, "Nonresidential Fire Estimate Summaries,” viewed in March 2025.
 
2 U.S. Equal Employment Opportunity Commission, “2023 Annual Performance Report,” viewed in March 2025.
 
3 NIOSH, "About Motor Vehicle Safety at Work,” viewed in March 2025.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
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