Framing contractor insurance that covers your biggest risks.

Most framing contractors pay between $1,500 and $4,500 a year for a $1M/$2M general liability policy, depending on payroll, revenue, crew size, claims history, and whether you frame over two stories. Workers' comp is rated on payroll at the 5403 carpentry class. We quote the whole program in about 15 minutes and show you every market's price side by side.

Wood framing and rough carpentry is most often coded under NCCI class 5403 (Carpentry). Some operations split out roof truss setting, siding, or interior finish carpentry into their own codes. Correct classification matters — wrong codes mean overpaying on premium or, worse, an audit bill and denied claim.

It should — but many budget contractor policies exclude work over one or two stories or exclude roof work entirely. Framing is a height business, so we place GL that specifically covers two- and three-story framing, truss setting, and roof work without height exclusions.

Sometimes the project's master builder's risk covers your installed work, but gaps are common — especially around materials you've delivered but not yet installed, or theft from an unsecured jobsite. We review the GC's program and either confirm you're covered or write a framers-installation floater so your materials and labor are protected.

General liability and property do not cover your tools off-premises. Tools are an inland marine (tools & equipment) coverage. We schedule your gear — nail guns, miter saws, generators, air compressors, lasers — at replacement cost so theft from the jobsite or truck is covered.

Your GL does not extend to independent subcontractors — they should carry their own coverage and name you additional insured. If your subs are uninsured and cause a loss, you can be pulled in. We help you set up certificate tracking and additional-insured requirements so subcontracted work doesn't become your liability.

Yes. Once your program is bound we turn around additional-insured certificates, waivers of subrogation, and primary/non-contributory endorsements — usually within minutes. We know GCs won't let you start framing without proof of coverage.

Lumber packages and installed materials are covered under builder's risk or an installation floater, while your tools are covered under a tools & equipment policy. We help you structure both so jobsite theft — one of the most common framing losses — doesn't come out of your margin.

Yes. Contractors Choice Agency is licensed in all 50 states and writes framing contractors from Texas and the Sun Belt to the Pacific Northwest, Rocky Mountain West, and Northeast.

Typically 15 minutes on a call for a standard framing program. Complex operations — wall-panel plants, large multifamily, heavy subcontracted work — may take a day or two to place with the right markets, but we move fast and tell you the timeline up front.

A single workers' comp claim can affect your experience modifier and future premium. The best protection is correct class coding, a documented safety and fall-protection program, and a claims partner who manages the claim aggressively — all of which we help with. Good loss control keeps your experience mod down.

Most residential framers carry $1M per occurrence / $2M general aggregate for GL, plus an umbrella of $2M–$5M. Commercial and multifamily GCs often require $2M or $5M limits and additional insured status. We size limits to what your contracts actually demand.

Yes. A personal auto policy typically excludes business use and will deny a claim when you're hauling lumber or tools to a jobsite. Commercial auto covers your trucks, dump trailers, and lumber haulers, including hired/non-owned vehicles when employees drive their own trucks for you.

Building in the WUI or on the coast adds underwriting complexity — wind, named-storm, and wildfire exposures affect builder's risk and property pricing. We have markets that write these zones and structure your program so you're covered during the build, not just after.

Often, yes. If you've had a fall claim, a cancellation, or been declined, we have excess-and-surplus (E&S) markets for contractors other brokers won't touch. Bring your loss runs and we'll find a path.

Yes. If you've added off-site wall-panel or floor-truss fabrication, that's a different exposure (manufacturing property and products liability). We can extend your program to cover a panel plant or coordinate a separate manufacturing policy.

Additional insured status extends your liability coverage to the GC or developer for your operations. GCs require it — along with a waiver of subrogation and primary/non-contributory endorsement — so that if a claim arises from your framing work, your policy responds first. We issue these endorsements routinely.

General liability is usually rated on payroll or subcontractor cost; workers' comp on payroll by class code; tools & equipment on scheduled value; commercial auto on vehicles and drivers; builder's risk on the project value. We document your operation accurately so you're rated on real exposure, not a worst-case guess.

Framing is a height- and tool-heavy trade with fall, nail-gun, saw, and theft exposures that generic small-business carriers routinely exclude or misprice. A specialty broker knows the class codes, the height exclusions to avoid, the markets that write framers, and how to manage a framing claim — which means better coverage at a fairer price.