Framing contractor insurance — Great Lakes & Midwest

They can. Wind, seismic, wildfire, and energy-code requirements vary regionally and influence both how you frame and how the risk is underwritten. We account for the region's code environment when structuring your program.

Yes. We routinely issue the additional-insured status, waivers of subrogation, and primary/non-contributory endorsements that local general contractors and developers require before you set the first plate.

We do. We right-size coverage and payroll reporting for seasonal crew scaling and can structure policies to match your region's build season, including short-term project and installed-material coverage.

Wind, named-storm, hail, and freeze exposures vary by region and affect builder's risk, property, and auto pricing. We shop markets that write your region and structure deductibles so you're protected without overpaying.

Yes. For larger or unusual local projects we can write a project-specific builder's risk policy that covers the structure and materials during construction, in addition to your ongoing program.

Yes. We supply the certificates of insurance, license bonds, and additional-insured endorsements that local building departments, GCs, and developers require — turned around fast.

We do — coast to coast. Because we're licensed everywhere, a single program can follow your crews across regional lines, with one point of contact for certificates, endorsements, and claims.

Most framers pay $1,500–$4,500 a year for $1M/$2M general liability, with workers' comp rated on payroll at class 5403 and tools floaters based on scheduled gear. We quote the full program in about 15 minutes and show every market's price.

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

About 15 minutes for a standard program. Once bound, we turn around additional-insured certificates, waivers of subrogation, and primary/non-contributory endorsements usually within minutes.

Wood framing and rough carpentry is typically coded under NCCI class 5403 (Carpentry). Correct classification keeps you from overpaying or facing an audit surprise — and ensures claims aren't denied for misclassification.

We place general liability that specifically covers two- and three-story framing, truss setting, and roof work. Many budget contractor policies exclude work above one or two stories — we make sure yours does not.

Tools are covered under a tools & equipment (inland marine) policy, not GL or property. We schedule nail guns, saws, generators, and compressors at replacement cost so jobsite and truck theft is covered.

Most residential framers carry $1M/$2M GL with a $2M–$5M umbrella. Commercial and multifamily GCs often require $2M–$5M limits plus additional-insured status. We size limits to your actual contract requirements.

Yes — personal auto excludes business use and will deny claims when you haul lumber or tools. Commercial auto covers your trucks, trailers, and lumber haulers, including hired/non-owned vehicles.

Often, yes. We have excess-and-surplus (E&S) markets for contractors with loss runs, cancellations, or tough exposures that standard markets decline.

Your GL doesn't cover independent subs — they should carry their own and name you additional insured. We set up certificate tracking and additional-insured requirements so subcontracted work doesn't become your liability.

You reach a person with context, not a queue. We respond within 2 hours, help you document the loss, and manage the claim with the carrier so it's paid correctly and your operation keeps moving.

Framing has fall, nail-gun, saw, and theft exposures that generic carriers 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.