Framing contractor standing inside home with frames around him.

Insurance Coverage for Framing Contractors

Explore the essential policies framing crews rely on to protect workers, equipment, vehicles, and customer property on active job sites.

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Inland Marine Insurance
Covers tools, equipment, and materials while in transit or on the jobsite.
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Commercial Property Insurance
Protects your building, equipment, and assets from damage or loss.
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Business Owner's Policy
Protect your business, assets, and income with one streamlined policy.
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Commercial Auto Insurance
Covers vehicles used for business — including trucks, vans, and service vehicles.
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Workers’ Compensation Insurance
Provides financial protection for employees injured while on the job.
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General Liability Insurance
Protect your business against claims of property damage, bodily injury, or accidents.
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Insurance certificateFraming contractor measuring wood.

Why Insurance Is Important for Framing Work

Framing sets the foundation of every build, which means any mistake has the potential to impact the entire structure. From injuries involving heavy materials to accidental damage during installation, even minor issues can lead to major costs. Insurance helps protect your business from expensive claims, supports your crew when someone gets hurt, and ensures small setbacks don’t turn into project-stopping problems. It also shows builders and clients that your business is reliable and prepared — making it easier to secure more jobs and grow with confidence.

Insurance Support for Framing Contractors

Framing brings structure to every project — but it also brings risk. Crews work around heavy lumber, nail guns, saws, and elevated surfaces every day. One mistake can quickly turn into an expensive setback. Having insurance designed for framing contractors ensures the essential parts of your business — people, equipment, and reputation — stay protected when something unexpected happens.

Coverage That Matches the Way You Work

Framing work involves ladders, saws, power tools, and constantly moving from site to site — which means your coverage should protect you everywhere your crew operates. A customized plan often includes:

  • Workers’ Compensation: Supports your crew with medical care and wage protection if someone is injured while lifting, climbing, or using framing equipment.
  • General Liability: Helps cover property damage or injuries caused during framing, cutting, or installing structural components.
  • Tools & Equipment Insurance: Protects mobile gear like nail guns, saws, compressors, and safety equipment from theft or damage on job sites.
  • Commercial Auto: Covers trucks and vehicles used to haul lumber, generators, and framing materials between projects.
  • Business Owner’s Policy (BOP): Combines property and liability coverages to protect your office/shop and the business operations run from it.
  • Commercial Umbrella: Adds an extra layer of liability protection, which can be required on larger commercial builds or general contractor projects.

Your insurance should match the reality of framing — fast-paced work where tools, people, and risk are always on the move.

Where Challenges Can Turn Into Claims

Job sites change daily. A truss slips, a saw misfires, or a client’s property is accidentally damaged — and suddenly the focus shifts away from the build. Proper coverage ensures that:
• You’re not paying for accidents out of your own pocket
• Your team has protection if someone gets hurt
• Project timelines stay on track during setbacks
• Builders and clients trust your professionalism

Protection isn’t just paperwork — it’s what keeps your business moving forward after a problem.

Benefits of Having Insurance for Framing Contractors

Proper coverage supports your business in multiple ways, beyond just meeting requirements:

Protects against costly claims from job-site injuries or accidental damage
Keeps projects moving by reducing delays when issues occur
Builds trust with builders and clients so you can win more bids
Supports your team if someone gets hurt using power tools or working at heights
Protects your equipment investment when tools are stolen or damaged

Insurance gives framing contractors the confidence to take on bigger, more complex builds — without worrying about the financial risk.

Save up to 30% on Business Insurance.

Connect with an advisor to secure coverage that actually fits your business.

Frequently Asked Questions

Do framing contractors need insurance before starting construction jobs?

Are injuries from power tools or working at heights covered by insurance?

Does insurance cover stolen framing tools or job-site equipment?

How does having insurance help framing contractors win more projects?

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Connect Insurance Group Team
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