Fencing Contractors Insurance
- Underwritten by Zurich Insurance Company Ltd.
- Rated Excellent by tradespeople on Trustpilot
- Save 10% with B&Q TradePoint
- Freeze your insurance price for two years (Classic & Plus policies - T&Cs apply)
- 40 years’ experience in trades insurance
- Expert UK telephone support
What is Fencing Contractors insurance?
Fencing contractors insurance is designed to protect businesses installing, repairing, or maintaining fences from everyday risks. Whether you’re working on domestic, commercial, or agricultural projects, fence company insurance can help protect your business if something goes wrong on site – including accidental damage, injury to a third party, or theft of your tools.
Typical work includes:
- Domestic fence installation or repair
- Commercial perimeter fencing
- Agricultural or construction site fencing
Cover types include:
- Public Liability: Protection against third-party injury or property damage.
- Tools Insurance: Covers theft or damage to your tools.
- Professional Indemnity: Financial protection if advice or specifications cause losses for a client.
- Optional Extras: Plant cover, Contract Works, Stock-in-Transit etc.
Why some fencing contractors need insurance
Working as a fencing contractor means using heavy tools and materials on uneven ground, often around people, properties, or other trades. Even careful work can result in:
- Damage to a client’s or neighbour’s property
- Injury from tools, posts, or materials
- Disputes over boundaries or installation issues
- Theft of tools or equipment from vehicles
That’s where fencing contractors insurance comes in – giving you peace of mind while you focus on the work.
What does Fencing Contractors insurance cover?
What can be covered
✔ Accidental injury to third parties
✔ Damage to third-party property (e.g. neighbouring fences, driveways)
✔ Legal defence costs
✔ Third Party Financial Loss
✔ Professional Indemnity (Classic & Plus policies)
✔ Tools cover (extendable with Classic & Plus policies)
✔ Temporary Total Disablement Benefit (Plus)
What can’t be covered
✘ Deliberate damage or unsafe work
✘ Wear and tear of tools/equipment
✘ Work outside declared activities
✘ Pre-existing issues
✘ Materials/work in progress unless Contract Works is added
✘ Employee injuries unless Employers’ Liability has been included
Fencing Contractors Public Liability insurance explained
Public Liability Insurance for Fencing Contractors is a safeguard that covers the cost of claims made against you by third parties (clients, members of the public) for:
Injury
Medical expenses and compensation if a third party is hurt because of your work.
Property Damage
Repair or replacement costs if you accidentally damage a third party’s property.
Legal Defence Costs
Helps to cover legal fees if a claim is made against your business.
Choose your level of Fencing Contractors insurance cover
Choose the level of fence installation insurance that fits your work and setup.
Essentials
Our Fencing Contractor's Essentials package includes Public Liability insurance and third party cover for Financial Loss.
Ideal for: Sole traders and Fencing businesses of up to 15 employees that need core liability protection.
- Public Liability insurance up to £5 million
- Third Party Financial Loss £100,000
- Employers' Liability insurance (£10 million available)
Classic
Our Classic fence building insurance package builds on the Essentials by offering Professional Indemnity cover as well as Capital Death Benefit and Tools cover.
Suitable for: Businesses who need fence company insurance with added tool and professional advice cover.
Also includes: Price Freeze (2 years, T&Cs apply)
- Public Liability insurance up to £5 million
- Professional Indemnity cover £100,000
- Third Party Financial Loss £100,000
- Capital Death Benefit
- First £1,000 of Tools cover (can be increased to £15,000)
- Employers' Liability insurance £10 million available
Plus
Our most comprehensive option, the Plus package builds on Classic by further adding Temporary Total Disablement Benefit, which can be increased based on your fence company insurance needs.
Suitable for: Contractors seeking comprehensive coverage including weekly benefits if unable to work.
Also includes: Price Freeze (2 years, T&Cs apply)
- Public Liability insurance up to £5 million
- Professional Indemnity cover £100,000
- Third Party Financial Loss £100,000
- Capital Death Benefit
- First £1,000 of Tools cover (can be increased to £15,000)
- Temporary Total Disablement Benefit up to £600 a week per person
- Employers' Liability insurance (£10 million available)
Optional Extras for Fencing Contractors
Looking for more Fencing Contractor insurances? We have a list of optional extras to give you the cover you need:
- Contract Works
- Owned Plant
- Hired in Plant
- Stock in Transit cover
- Jury Service cover
Fixed Price, Fixed Peace of Mind
Lock in your insurance price for two full years with Trade Direct’s Price Freeze with our Classic and Plus policies.
Whether you're a builder, plumber, electrician or decorator, we know your work load can be unpredictable - your insurance price shouldn’t be.
Who we cover
- Sole Traders, partnerships, limited companies, LLPs
- Fencing Contractors and installers
- Small-to-medium business with turnover up to £3 million
- All Fencing Contractors, whether you’re working solo or managing a small team
Why choose Trade Direct for Fencing Contractors insurance?
- Trusted cover underwritten by Zurich Insurance Co Ltd.
- 10% B&Q TradePoint discount
- Freeze your insurance price for two years (Classic & Plus policies - T&Cs apply)
- Over 40 years’ experience
- UK-based support team
- Flexible cover for Fencing Contractors and businesses of up to 15 employees
FAQs - Fencing Contractors insurance
Related insurance for Fencing Contractors
Tools insurance
Van insurance
Landscaping & Drainage insurance
Get a quote for Fencing Contractors insurance today
Get a quote and see how Trade Direct Insurance can support your fence installation business.