Business insurance for Fencing Contractors

As a professional fencing contractor, you understand how important the little details are. Whether you’re working on bespoke joinery, installing palisade fencing or creating a secure, yet attractive, garden fence, your customers rely on you to do a good job.

But mistakes can happen. And if something does go wrong, you need a bespoke insurance package to protect your business.

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Public liability insurance for fencing contractors

If a person, or their property, suffers injury or damage as a result of your business’ activities you could be held liable. In this situation, public liability insurance would have you covered. For example:

  • If a member of the public tripped on fencing supplies you had left on the pavement, public liability insurance would cover your legal costs and any compensation required if they decided to raise a claim against you.
  • While carrying materials, if you or one of your employees were to damage the paintwork of a car, public liability insurance would protect you from the financial hit if the car’s owner were to make a claim.

Employers’ liability insurance for cabinet makers

Do you employ other people in your fencing contractors’ business? If so, there’s always a chance that they could become injured or ill because of something that happens at work. This could result in them taking legal action to seek compensation from you. And if you were exposed for breaking health and safety regulations, you could be prosecuted.

Employer’s liability insurance can give you the protection you need in these situations, potentially covering the cost of defending or settling legal cases. However, it’s worth noting that this kind of insurance only covers your employees, and it doesn’t protect you personally.

More about Hiscox Employers’ Liability Insurance


Do I need both public liability + employers’ liability insurance?

If you employ one or more members of staff, your business is legally required to have employer’s liability insurance. Public liability insurance is not required legally, but many businesses that serve members of the public think that this kind of fencing contractors’ liability insurance is essential. It’s worth noting that your employees are not covered by public liability insurance.

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Office Insurance

Protecting the tools of your trade is important for your business. Whether you have an office space or work out of a home office, our office insurance covers you for the cost of repairing or replacing your business equipment if it is damaged, lost or stolen. There are also a range of specialist cover you can add to your policy:

  • Tool cover – this covers the equipment that is needed to carry out your fencing work while it's away from your normal premises. This is officially known as property away and in transit insurance.
  • Portable equipment – cover for equipment outside of the office, such as mobiles and laptops. This also falls under property away and in transit insurance and can cover theft, loss and accidental damage.
  • Business interruption – cover for the financial losses that result from being unable to trade due to an unexpected interruption.
  • Equipment breakdown – cover for the sudden electrical or mechanical breakdown of your office equipment.

More about Hiscox office insurance


Cyber and data insurance

If you run a fencing contractors’ business, you need to keep on top of all your appointments, invoices and payments so it’s likely you use a computer for keeping track of your accounts. This means there’s always the risk of a cyber-attack by hackers or the possibility of a data leak. Should this happen, cyber and data insurance could prove invaluable and help you cover the cost of any potential legal and recovery action, as well as giving you peace of mind.

More about Hiscox cyber and data risks insurance