Insurance for Fencing Contractors

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Why do fence contractors need insurance?

Good fences make good neighbours—and great business for fencing contractors! Building a fence construction business takes time and hard work. But accidents and unplanned bills could topple your small business dreams.

Fencing business insurance helps contractors manage the day-to-day risks they are likely to face. There are many types of insurance for fencing contractors that you might choose for your small business. So, if you’re on the fence about what kinds of fence coverage you may need, keep reading!

Did you know?

Public Liability insurance may be required for fence construction businesses to work with specific clients or as a subcontractor for another company.

What types of insurance do fence installers need?

Every fence repair and construction business is unique, but there are a few types of cover that most fence builders consider:

Insurance is vital to many small concrete businesses. Many choose to protect themselves with cover such as:

Public Liability insurance

For many fence repair and construction contractors, Public Liability* is essential. This covers legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity.

Picture this: A passerby trips over your toolbox and injures themselves. You could be liable for their medical bills and more if the tradie decides to make a claim against you. However, your Public Liability policy could pay these expenses for you, so you’re not left out of pocket.

Many clients require fencing contractors to have Public Liability insurance to work with them. It may also be necessary to work as a subcontractor for another fence construction business.

Business Insurance

Many fence builders want to brace their businesses against unplanned events like fires, theft, or broken equipment. That’s where fencing Business Insurance can help.

Business Insurance* is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks.

A fence construction business might choose cover for their tools and equipment (Machinery Breakdown), their records and other business property (Contents), and unexpected work stoppages (Business Interruption), among many others.

Personal Accident & Illness insurance

Working in fence construction can be dangerous. An accidental injury could potentially put you out of business for weeks (or longer), meaning no pay while you’re recovering.

Personal Accident & Illness insurance* provides a weekly income benefit following an accidental injury or illness once signed off from work by a medical practitioner for a set amount of time. The covers you select will apply even if the injury or illness occurs outside of your employment.

Injuries can happen, no matter how careful you are. Personal Accident & Illness cover can provide up to 85% of your wages** while you get back on your feet.

What does fence contractor insurance cover?

Insurance for fencing contractors can help you manage many risks to your business. Depending on the cover you choose, you could be covered for events like:

  • Third-party injury claims (Public Liability)
  • Third-party property damage claims (Public Liability)
  • Loss or damage to your tools or equipment (Business Insurance – Machinery Breakdown, Portable Equipment)
  • Damage to your business property (Business Insurance – Contents)
  • Unplanned work disruptions (Business Insurance – Business Interruption)
  • Personal injuries on the job or after work (Personal Accident & Illness)
  • Your legal defence costs (Public Liability)
  • And more!

Find fencing business insurance in minutes with BizCover. Compare quotes only and get instant cover today!

How much does business insurance cost for fence contractors?

Your fence construction business is as unique as you are. That means that your fence insurance needs are unique, too. Since insurers use information about your business to determine your premiums, the price you pay will likely differ from other fencing businesses.

Factors often used to calculate the cost of fence coverage include:

  • The number of people covered – Sole traders often pay less for insurance than businesses with several employees.
  • Business turnover and size – If you work on large projects or have high annual revenue, you may pay more for insurance.
  • Business location – Where your offices, warehouse, and other work premises are located can impact your premiums.
  • How much cover you choose – Higher amounts of insurance cover typically mean higher premiums.
  • Claims history – Businesses that have made many insurance claims may pay more for cover than a business with a cleaner record.

Comparing quotes from multiple insurers is one way to understand your cover options and how much you can expect to pay. Get multiple quotes with BizCover today.

How do I get concrete business insurance?

BizCover understands fencing contractors. You’re busy building your business; you’ve got no time to waste waiting for insurance quotes. That’s why we’ve put the power in your hands, with easy online quote comparison and instant cover in minutes!

  1. Compare quotes from selected leading Australian insurers. No complicated paperwork is required!
  2. Choose policies that fit your needs.
  3. Get instant cover online or over the phone. Proof of insurance will be sent straight to your inbox.

Get quotes online now, or call us at 1-300-920-868 to get started.

Frequently Asked Questions

Getting a certificate of currency for your fence insurance policies is simple. Download certificates directly from our self-service portal whenever you want. You can also amend your cover, update your payment details and view your policy documents from your account.

Public Liability insurance may be necessary in some situations.

The clients you work with might require that you have your own policy to work with them. This may especially be true if you subcontract for a larger company. You may need to provide proof of insurance before you can enter their worksites.

Commercial landlords often require Public Liability insurance to lease their premises. If you are renting offices, a warehouse or other workspaces, proof of insurance may be needed when signing the lease.

Cover is available to help repair or replace the tools and equipment necessary to do your job and run your fence construction business.

When building a Business Insurance Package, you can select covers like Machinery Breakdown and Portable Equipment to help protect your tools of the trade. Electronic Equipment cover is also available to protect computers, mobile devices, and other equipment that you use to run your business.

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*This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
†The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Coverage for claims on the policy will be determined by the insurer, not BizCover.
© 2023 BizCover Pty Limited, all rights reserved. ABN 68 127 707 975; AFSL 501769
**Maximum limits apply.

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