It has to stand up in a gale.
Commercial insurance for fencing contractors of any size: a van and a trailer, or a firm with a yard, stock and a fleet.
Fencing contractor insurance
Usually includes
Public liability
Employers’ liability
Premises & contents
Business interruption
Stock & materials
Tools, plant & equipment
One
conversation.
You explain the business once, and we take it from there.
Bespoke service
for your business
No two businesses are the same, so we start with yours rather than with a template.
Everything
quoted together.
The tools, the van, your liability and the work in progress, priced in one go rather than piece by piece.
Know your cover
What is fencing contractor insurance?
Fencing is outdoor work that has to survive weather for years, often on a boundary between two properties where a failure affects somebody who isn’t your customer. Add a yard full of timber and panels sat outside, and there’s more to cover than the job suggests, whatever the size of the firm. Cover for it comes as a commercial combined policy: property, liability and business interruption in one, with fleet alongside, sized to what you actually run.
Work that has to last
A panel that comes down in a storm is your name on it, sometimes years later.
Boundaries and neighbours
Fencing sits between two properties, and disputes come with the territory.
The yard and what’s in it
Timber and panels stored outdoors are exposed to weather and theft.
Who it’s for
Whatever you put up.
✓
Domestic fencing contractors
Garden fencing, gates and boundary work.
✓
Agricultural fencing contractors
Stock fencing, post and rail, estate work.
✓
Commercial & security fencing
Palisade, mesh and perimeter systems.
✓
Gate installers
Manual and automated gate installation.
✓
Firms with a stock yard
Timber, panels and posts held in, loading out daily.
✓
Landscaping firms that fence
Fencing as part of wider grounds work.
What we cover
Cover built around the way you work.
We get to know how you actually run before we build anything around it.
Public liability
Injury or damage arising from your work, including to neighbouring property.
Employers’ liability
Required by law from your first employee, whatever the size of the crew.
Premises & contents
The yard, unit or store you work out of, and everything in it.
Business interruption
If the yard is out of action, jobs stall. This covers the trading you lose.
Stock & materials
Timber, panels, posts and fixings in the yard or on the trailer.
Tools, plant & equipment
Post drivers, augers, power tools and site equipment.
Legal expenses
Contract disputes, boundary disagreements, employment matters and defending a claim.
Fleet
Vans, tippers and trailers on one fleet policy alongside the main cover.
Cyber & data
A payment diverted to someone posing as a subcontractor, and an attack on the office systems that hold your contracts and payroll.
Who this cover tends to suit.
This cover is generally bought by fencing contractors at any size, from a van and a trailer to a firm with a yard and a fleet. Not every part will apply to every business, so tell us how you’re set up and we’ll show you what’s relevant rather than sell you cover you don’t need.
Worth knowing
Check the details before you choose.
Stock stored outside
Timber and panels in an open yard face weather and theft.
Boundaries and disputes
Fencing sits between two owners, and disagreements are common.
Automated gates
Powered gates are a different exposure from a manual one.
Digging and services
Post holes and services in the ground don’t mix well.
Every boundary is different.
A garden panel fence and a security perimeter don’t carry the same risk. We ask different questions, and we’ll quote both.
Fencing contractors
Domestic fencing
Garden fencing
Close-board
Panel fencing
Post & rail
Agricultural fencing
Stock fencing
Fencing contractors
Domestic fencing
Garden fencing
Close-board
Panel fencing
Post & rail
Agricultural fencing
Stock fencing
Security fencing
Palisade
Mesh fencing
Estate fencing
Gates
Automated gates
Decking
Trellis & screening
Security fencing
Palisade
Mesh fencing
Estate fencing
Gates
Automated gates
Decking
Trellis & screening
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
Yard stock, before we quote
A van and trailer operation and a firm holding fencing stock in a yard carry different property and stock exposures. We ask what you hold and where before we approach anyone.
02
Cover for work that has to last
A fence coming down in a storm is your name on it. We set that up properly.
03
Yard stock covered properly
Timber and panels stored outside need cover that reflects that.
04
We present the risk right
Work mix, how you store stock and claims history all change what you pay.
You talk to a person. The machines do the typing.
Free review of your fencing cover and costs.
Cover spread across three or four policies? Leave your details and we’ll call you straight back. One conversation covers the lot.
What the review covers
Timber and panels stored in an open yard face weather and theft, so how you store stock matters to the quote.
Fencing sits between two owners, and boundary disagreements are common in this trade.
We approach insurers on our panel who write fencing risks, and come back with what they’ll offer.
We explain each option in plain English, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away rather than leave you waiting.
No obligation to switch. You decide what fits.
Rather not wait? Call us on 0333 091 3663
Good to know
Fencing questions, answered straight.
What insurance does a fencing contractor need?
Is my stock covered if it's stored outside?
Am I liable if a fence blows down?
Do automated gates need flagging?
Can my vehicles go on the same arrangement?
How is business interruption calculated?
Are my materials and stock covered, or just tools?
What does this cover if I lease my premises?
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.