Fence Contractor Insurance

We place wood, chain-link, ornamental, and vinyl fence contractors on residential and light commercial work. We do not write highway barrier, security-fence with armed response, or electrified perimeter as a silent add. If fence is incidental to a landscaping book, start on landscaping and we will schedule the fence receipts. If fence is the book, you are here.

Utility strikes and property-line mistakes are the GL facts. We want to hear about 811 locates and how you handle survey pins. Completed-operations covers the gate, the falling panel, and the neighbor dispute that becomes a property-damage claim. Additional-insured requests from GCs and property managers are standard; we match the certificate to the form.

Materials on the site and on the truck are inland marine. A weekend theft of cedar or ornamental panels is a floater claim. Commercial auto covers the trucks and trailers; hired and non-owned covers a superintendent in a personal truck. Rented augers and skid steers belong on a rented-equipment grant because the rental contract will make you primary.

Washington crews stay with L&I. We place stop-gap and competitive-state WC. We do not replace L&I. The license bond should sit with the GL so registration and the bid desk see the same shop. If you also clear or grade beyond fence lines, that starts to look like excavation — a class we already keep off the featured list. Tell us the truth so we do not code you into a hole.

Landscaping, lawn care, and general contractors are the related pages. Masonry or concrete that is incidental to a fence footing can stay on this file when it is truly incidental. A crew that pours walls is a concrete contractor.

Risks we actually schedule

• A utility strike or a fence built over a easement.
• Completed-operations injury from a gate or a failed panel.
• Theft of materials from a job or a open trailer.
• Rented equipment the rental contract makes you primary for.