What does a contractor policy cover?

Fences provide a lot of value for your visitors, from keeping children and dogs contained to simply allowing families to own some privacy. A well-constructed fence could make a property aesthetically pleasing. Many people understand the importance of protecting your business. But as a small company owner, are you doing everything you are able to? In this short article, we cover why you will need insurance coverage and what types you should think about (A BOP, general liability, and more).
Why Do Fencing Contractors Need Insurance?

A fence installation company faces lots of risks. How? You work on people's properties, therefore you risk damaging their yard, ruining landscaping, etc. Fencing contractors may also be the object of theft, work injuries, and more.

Example #1: You're installing a fence in someone's yard above a drainage easement. Unfortunately, you dig the hole for an article too deep and damage the piping. You may be liable for repairing that damage! Is that something you are able to afford?

Example #2: Among your employees throws out his back installing a fence. Luckily, you have workers' comp insurance, which covers his medical expenses and lost wages.
Insurance Options for a Fence Installation Company

What insurance should you take into account as a fence installer?
General Liability Insurance

Unfortunately, life is packed with unseen and unplanned events. General liability insurance will protect your business from claims of third-party bodily injury, property damage that will occur while you are on the task site, and advertising injury (libel, slander, copyright infringement). General liability insurance is the #1 insurance coverage any business needs.
Commercial Property Insurance

Generally, your Commercial property insurance will cover you from the increased loss of a typical risk like an accident, theft, or vandalism. Property insurance covers the physical assets of the business. You can consider a company owner's policy (BOP) to reduce costs. It's often offered to small businesses at a lesser rate than purchasing each coverage separately.

For more details check out fence installation insurance.