Specialty Trade · Fence Installers
NJ Fence Installers Insurance
Fence contractors place in the standard market, with one critical coverage detail: post-hole digging creates underground utility-strike exposure, so XCU coverage needs confirming, not assuming.
Who We Write
Residential fence installers (wood, vinyl, chain-link, aluminum), commercial and industrial fencing, and specialty (deer, pool, security) fence operations.
The Coverage Stack You’ll Want
- General Liability — $1M/$2M standard, structured with the additional-insured endorsements your accounts require.
- Workers Comp — required for any NJ employee, including most officers.
- Commercial Auto — service vehicles and employee drivers.
- Tools & Equipment — your tools wherever they live, plus installation floater where you install customer materials.
- Commercial Umbrella — extra limits over GL, Auto, and EL.
Carrier Notes
Standard markets — Travelers, Nationwide, The Hartford, AmTrust, Cumberland Mutual — write fence contractors comfortably. The thing to confirm is XCU coverage on the GL, because every post hole is a potential underground utility strike.
NJ-Specific Considerations
- XCU coverage — Explosion, Collapse, Underground. Post-hole digging strikes gas, water, electric, and telecom lines. Confirm XCU is on your GL — some policies exclude it by default.
- NJ One-Call — you’re required to call before you dig. Documentation matters at claim time.
- Pool fencing — NJ has specific barrier code requirements; installation-defect exposure if a non-compliant fence contributes to an incident.
- Property damage during install — damage to landscaping, irrigation, and adjacent structures is routine.
Fence Installers Questions
Common questions.
Fence installers — utility-strike exposure?
Real, especially on post-hole digging. Confirm XCU (Explosion, Collapse, Underground) is on your GL — it’s sometimes excluded by default. We confirm it at bind.
Do I need to call NJ One-Call?
Yes — you’re required to call before you dig, and documentation of the call protects you at claim time if you do strike a line.
Pool fencing — any special considerations?
NJ barrier code is specific. A non-compliant install that contributes to an incident is a products-completed exposure; we make sure your limits and structure fit.
I hit an irrigation line installing a fence — covered?
Property damage to the customer’s system is a standard GL claim, subject to deductible.
Ready When You Are
Quote your fence installers program in one intake.
GL, WC, Auto, Tools, Umbrella — all in one form. A producer follows up the same business day.