Framing Insurance — built from the studs.
Framers work at the top of the structure before anything protective exists — the comp codes price exactly that. We classify residential vs. commercial correctly, keep the audit honest, and issue GC-ready COIs.
Coverage you probably need
General Liability
Structure damage, dropped material, and completed-operations claims. What is general liability? →
Workers Compensation
Residential (5645) vs. commercial (5403) — the split drives your cost; required with employees. What is workers compensation? →
Commercial Auto
Trucks and trailers hauling lumber packages and crews. What is commercial auto? →
Inland Marine (Tools)
Nailers, saws, and compressors across multiple sites. What is inland marine (tools)? →
What can go wrong
- A fall from the second-floor deck or roofline.
- A wall panel drops during a lift.
- Wind takes a braced-but-unsheathed wall into the neighbor's lot.
- A sub's missing COI becomes your audit payroll.
- A GC back-charges structure damage to your crew.
What carriers usually ask
- Residential (≤3 stories) vs. commercial/multifamily mix.
- Fall-protection program and training records.
- Crane/panelized work.
- Payroll, crews, and sub usage with COIs.
- Heights worked.
Common contract wording
GC subcontracts typically require $1M/$2M GL with additional insured (ongoing and completed ops), waiver of subrogation, and primary & noncontributory wording — plus comp evidence before mobilization.
State notes: The one/two-family, three-story limits on residential framing codes are strict; job records proving your mix keep the audit from defaulting everything to the higher class.
Get covered for Framing Contractor Insurance.
Start an instant quote, or have a licensed agent review your exact situation.
Start a quote Send to an agentFraming Contractor Insurance FAQs
Why is framing comp so expensive?
Falls. The codes price the trade's reality; the only real lever is a documented fall-protection program — which genuinely earns credits.
Residential vs. commercial classification?
Residential detached ≤3 stories rates differently than commercial/multifamily. Mixed shops need job-cost records to support the split.
My GC wants $2M aggregate — normal?
Completely standard. We structure GL plus umbrella to hit contract limits affordably.
Sub crews without insurance?
Their cost becomes your payroll at audit, at framing rates. Collect COIs before they touch the site — we'll show you the checklist.
Keep exploring
Coverage descriptions are general and vary by state and carrier. Final terms are confirmed at quote.