Commercial Property Insurance for framing contractors

Yes. Lumber and material inventory stored at your yard or shop can be scheduled and covered at your location. Materials on the jobsite are a builder's risk / installation floater matter — we coordinate both.

Yes, and we tailor it — wall-panel and truss fabrication add manufacturing property and equipment-breakdown exposures. We schedule the production equipment and include business interruption for the restoration period.

A shop full of lumber and sawdust is a higher fire exposure than a typical office, and that affects underwriting and pricing. We document your housekeeping and fire-protection program to get the best terms.

It can be. Equipment breakdown covers internal mechanical and electrical failures of shop machinery — saws, compressors, panel equipment — that standard property excludes. We include it for operations with significant machinery.

Business interruption coverage pays your lost income and ongoing expenses during restoration. For a framing business, that can mean the difference between surviving a fire and closing. We size the restoration period to your real recovery time.

We recommend replacement cost so a loss restores your shop and equipment new, not depreciated. For specialized or older equipment, ACV can leave you dramatically underinsured.

Premium reflects construction type, protection (sprinklers, alarms), occupancy, lumber inventory value, and fire exposure. Good housekeeping and documented protection programs improve both terms and price.

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.