When choosing a fence contractor, most homeowners compare prices, project timelines, and customer reviews. However, one important factor is often overlooked—whether the contractor carries proper insurance.

Insurance is an essential part of running a professional construction business and provides an additional level of protection for both the contractor and the homeowner.

Why Is Insurance Important?

Although most fence projects are completed without any issues, unexpected situations can happen on any construction site.

Working with an insured contractor gives homeowners greater confidence that the company operates professionally and takes its responsibilities seriously.

What Types of Insurance Do Fence Contractors Typically Carry?

Insurance coverage varies depending on the contractor and the type of work being performed.

One of the most common policies is General Liability Insurance.

This type of insurance helps protect the contractor in certain situations covered by the policy and is considered a standard part of operating a professional construction business.

Should You Ask for Proof of Insurance?

Yes.

A reputable contractor should have no problem providing proof of current insurance upon request.

Requesting proof of insurance is a normal part of hiring a contractor for any construction project.

Is a Contractor’s License Enough?

No.

A contractor’s license and insurance serve different purposes.

A license authorizes a contractor to perform construction work, while insurance provides financial protection under the terms of the policy.

For that reason, it is a good idea to verify both before signing a contract.

What About Golden Fence?

Golden Fence is a licensed and insured fence contractor.

Upon request, we are happy to provide proof of our contractor license and current insurance before any work begins.

Frequently Asked Questions

Why is contractor insurance important?

Insurance is one of the signs of a professionally operated construction company and provides additional confidence for homeowners throughout the project.

Can I ask a contractor for proof of insurance?

Absolutely. Reputable contractors expect this question and should be able to provide proof of current insurance without hesitation.

Is having a contractor’s license enough?

No. A license and insurance serve different purposes, and both should be verified before hiring a contractor.

Should I hire a contractor who doesn’t have insurance?

That is a personal decision. However, it is important to understand the potential risks before moving forward with any construction project.

Final Thoughts

Before hiring a fence contractor, take a few minutes to verify both the contractor’s license and insurance coverage.

Doing so can help you make a more informed decision and choose a company that operates professionally, responsibly, and with a commitment to protecting both its customers and its business.