When you’re in the fencing business, it’s tempting to look for ways to reduce costs—and understandably so. Materials continue to become more expensive, fuel prices fluctuate, and every project comes with its own surprises. But one corner you don’t want to cut is insurance.
On the surface, skipping contractor insurance may seem like a way to save money. In reality, it can expose you to risks that could wipe out years of hard work in a single moment. In this blog, we’ll break down the dangers that fencing contractors face when they operate without insurance.
1. Accidents Happen on the Jobsite
Fencing work isn’t easy. You’re digging posts, handling power tools, hauling lumber or steel, and working around uneven ground. Even the safest crews can experience accidents.
- A homeowner trips over your tools in the yard.
- A crew member gets injured using a post driver.
- A truck backs into a client’s garage while unloading supplies.
Without workers’ compensation insurance, you’re personally on the hook for medical expenses, property damage, or lawsuits. One incident could cost far more than a year’s worth of premiums.
2. Clients May Refuse to Hire You
Many homeowners and almost all commercial clients expect proof of insurance before signing a contract. Skipping coverage can make your business look less credible—or too risky to hire.
In competitive bids, being uninsured could mean automatically losing the job to a contractor who can show their certificate of insurance.
3. You Could Be Sued Without Protection
Lawsuits are expensive, even when you’re in the right. Without liability coverage, you’re paying for attorneys, court fees, and potential settlements out of your own pocket.
Insurance doesn’t just cover payouts—it often covers legal defense costs, which can easily run into the tens of thousands.
4. Equipment and Vehicle Losses Come Out of Your Pocket
Fencing contractors rely heavily on tools, trailers, and trucks. If your saws, augers, or welding gear are stolen, or if your work truck is damaged in an accident, replacing them could set you back financially for months.
Commercial auto and equipment insurance can cover theft, damage, or accidents, helping you return to work without significant downtime.
5. Your Business Reputation is at Risk
Word spreads quickly in local markets. If a client finds out you don’t carry insurance—or worse, if something goes wrong and you can’t make it right—your reputation takes a hit. In industries built on referrals and repeat customers, that’s a risk you can’t afford.
6. It’s Not Always Optional
Depending on your state, certain coverages like workers’ compensation or auto liability are required by law. Operating without them could result in fines, penalties, or even being shut down.
Protect Your Fencing Business the Right Way with BME Commercial Insurance
The fencing industry is hands-on, physical, and sometimes unpredictable. Contractor insurance isn’t just another bill—it’s a safety net for your livelihood, employees, and clients. At BME Commercial Insurance, we help fencing contractors understand the coverage they actually need, enabling them to run their business with confidence and peace of mind.
If you’re unsure about your current coverage, now is the time to make it right before the unexpected happens. Reach out to secure comprehensive fencing business insurance coverage. From general liability insurance to commercial auto insurance and workers’ compensation—we’ll help you put the proper protections in place so your fence installation business is covered from every angle.
