Coverage lines

Insurance built line-by-line for framing contractors.

Each policy below addresses a specific exposure in framing — from the height exclusions your GL shouldn’t have to the stolen nailers and lumber your tools floater and builder’s risk need to cover.

Core coverage

General Liability Insurance

Third-party bodily injury and property damage protection for your framing crews, jobsites, and subcontracted work — including products-completed operations and the GC certificates that get you onto the project.

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Workers' Compensation

Coverage for the injury patterns unique to framing crews — falls from height, nail-gun and saw lacerations, struck-by and material-handling injuries — with correct class 5403 coding so you're not overpaying or underinsured.

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Commercial Auto Insurance

Coverage for the pickup trucks, dump trailers, and lumber haulers that move your crew and materials between jobsites — including hired/non-owned and loading liability.

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Builder's Risk Insurance

Course-of-construction coverage for the building you're framing — lumber packages, installed materials, and labor — against fire, wind, theft, and vandalism while the project is open to loss.

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Tools & Equipment / Inland Marine

Scheduled tools-and-equipment coverage for the pneumatic nailers, miter saws, generators, and compressors that walk off jobsites — plus installation floaters that cover materials in transit to the frame.

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Commercial Property Insurance

All-risk property coverage for the framer's shop, storage yard, prefab wall-panel facility, and lumber/inventory — built for the combustible loading and hot-work exposures of a wood operation.

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Umbrella / Excess Liability

Layered limits above your GL, auto, and employers' liability — essential when a fall, a framed-structure fire, or a multi-party jobsite loss could otherwise exhaust your primary coverage.

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Contractor's License & Surety Bonds

The bonds that keep you legal and competitive — state contractor license bonds, permit bonds, and bid/performance bonds for the GCs and developers who require them before you set the first plate.

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Not sure which lines you need?

Most framing contractors bundle GL + workers' comp + builder's risk + a tools floater into one coordinated program. We'll build the right mix in one call.

Get a free quote844-967-5247