Running a framing business isn't just about wood, nails, and a solid eye for angles—it’s also about keeping your business safe when things go sideways.
A framer business insurance policy helps cover the typical risks that come with the job. Whether you’re building out residential framing projects or taking on commercial gigs, there’s always a chance of injury, property damage, or a job gone wrong. Maybe someone trips over a stack of lumber, or your crew accidentally damages wiring behind a wall—stuff happens. That’s where insurance steps in. A well-built framer insurance policy protects your tools, your team, and your bank account.
For the most accurate framer insurance quote, we’ll need some details about your position as a framer. So be prepared to give us some details when you contact us, from location to the coverage types you’re interested in.
Yep, in most cases, framing contractors need insurance. Why? Well, a lot of states require it just to get licensed. And if you’re bidding on jobs or working with general contractors, you’ll probably need to show proof of coverage—especially general liability.
Homeowners and commercial builders won’t touch your bid without it. Some states even require workers’ comp if you’ve got employees (looking at you, California and New York). Plus, if you lease equipment or workspace, the owner might ask for insurance before you sign anything. Basically, if you're swinging hammers and framing out buildings, having insurance isn't just smart—it’s kind of expected.
If you’re in the framing business, there are a few types of insurance you’ll want to seriously consider. These are the usual suspects most framers carry:
General Liability Insurance
Covers bodily injury and property damage. Say a client trips on your tools and breaks a leg—this helps cover their medical bills.
Workers’ Compensation Insurance
If an employee falls off a ladder or gets hurt lifting a beam, workers’ comp can cover medical costs and lost wages.
Commercial Auto Insurance
Using a truck to haul materials? If it’s registered under your business and you crash it, you’ll need this.
Tools & Equipment Insurance
Your gear isn’t cheap. This covers your tools if they’re stolen or damaged on the job.
A Business Owner’s Policy (BOP) is super useful for framers. It combines general liability and commercial property coverage, which makes it affordable and straightforward.
Jobsite Fire: Your materials and tools get destroyed in a fire caused by another contractor’s equipment. BOP steps in to cover the loss.
Office Theft: Someone breaks into your small office or storage unit and takes your laptop, drawings, and a few tools. Covered.
Customer Injury: A homeowner trips over your compressor hose during a remodel and sues. BOP’s liability portion has your back.
Property Damage: You accidentally damage the client’s flooring while framing—covered under your BOP's liability.
It's kind of like a multi-tool for your business—handles a bunch of stuff without overcomplicating your coverage.
We’ve been doing this for 20+ years—helping framers and other contractors stay protected while they focus on the build. USA Insurance is licensed nationwide, with real, local agents who know their stuff. Our 99% customer satisfaction rate isn’t by accident—we take the time to understand your biz. If you’re a framer, we’ve got your back.
If you’re trying to budget for framer insurance, looking at the typical price range for the coverage you want will help. Granted, the exact price will depend on your location and other details, but the following will give you an idea of the cost of framer insurance:
(888) 900 0205
