Framing is fast-paced, physical work performed at height with nail guns, saws, and heavy lumber — a combination that makes both general liability and workers' comp non-negotiable for framing contractors.
General liability covers third-party bodily injury and property damage on the job site. General contractors managing new construction almost always require framing subs to carry at least $1 million per occurrence.
Workers' comp is essential given the injury risk from falls, lifting, and power tools. California requires it for crews, and your class code and safety record directly drive your premium.
Tools and equipment coverage protects the nail guns, compressors, and saws your crew depends on — gear that's frequently stolen from job sites. Inland marine keeps it covered wherever the work takes you.
A broker who understands framing can package your coverage to satisfy GC requirements and keep your crew protected. Request a free quote today.
