Fence Installer Insurance
Building fence means digging post holes, mixing concrete, and operating augers close to utility lines and a customer's yard — coverage centers on those everyday site hazards.
What this coverage is intended to address
- ✓General liability that is intended to respond if an auger or post-pounder injures a bystander on the property.
- ✓Property-damage protection generally intended to address a struck irrigation line, sprinkler head, or buried cable during digging.
- ✓Completed-operations coverage intended to respond if a finished fence later leans or falls and causes injury or damage.
- ✓Tools and equipment (inland marine), when scheduled, intended to help replace augers, levels, and post drivers if they are stolen or damaged.
Coverage products commonly considered
Most fence installer operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- Imagine a post-hole auger snags and clips a customer's buried sprinkler main; in the event of a covered claim, the property-damage portion is intended to respond to the repair demand.
- Suppose a gate you hung swings loose months later and strikes a child in the yard — completed-operations coverage may help respond to the resulting bodily-injury claim.
Frequently asked questions
Does this respond if I hit a buried line while digging?
General liability is generally intended to respond to third-party property damage you cause during your work, including a struck utility or irrigation line, subject to policy terms.
Are my auger and post tools covered away from the shop?
A scheduled tools and equipment (inland marine) option is intended to help respond if your gear is stolen or damaged on the road or at a job, within the policy's limits.
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