Blog & insights

Framing contractor insurance, decoded

Plain-English guides on the coverage that matters for framing crews — general liability, workers’ comp, builder’s risk, and the tools floaters that pay when gear walks off the jobsite.

How Much Does Framing Contractor Insurance Cost? (2026 Guide)
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Cost & BuyingMay 12, 20263 min read

How Much Does Framing Contractor Insurance Cost? (2026 Guide)

A plain-English breakdown of what framing contractors pay for general liability, workers' comp, builder's risk, tools, and auto — and the levers that move your premium up or down.

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Workers' Comp3 min read

Workers' Comp Class Code 5403 Explained for Framing Contractors

NCCI class code 5403 governs workers' comp for wood framing and rough carpentry. Here's what it means, how it's rated, and why correct classification protects both your premium and your claims.

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General Liability3 min read

Why Your GL Policy's Height Exclusion Could Sink Your Framing Business

Many cheap contractor GL policies exclude work over one or two stories. For framers, that's the whole job. Here's how to spot the exclusion and get coverage that actually applies.

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Coverage 1014 min read

Builder's Risk vs. Tools & Equipment: What Framers Need to Know

Framers lose money to two things most often: stolen materials and stolen tools. Builder's risk and a tools floater cover them — and they are not the same policy. Here's the difference.

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Risk Management3 min read

Stopping Jobsite Lumber & Tool Theft Before It Hits Your Margin

Lumber packages and power tools are the two things most often stolen from framing jobsites. Here's how to prevent theft, document it, and make sure insurance actually pays when it happens.

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