Framing Contractors Insurance in California
Elevated riskFraming crews work with power tools, nail guns, and lumber at height during a structurally critical phase of construction, creating meaningful injury and property damage exposure on active jobsites.
Key Risks for Framing Contractors
- Falls from ladders, scaffolding, and elevated framing
- Power tool and nail gun injuries
- Structural errors affecting later phases of construction
- Lumber and material theft from job sites
- Multiple crews working simultaneously on a single structure
Coverage to Consider
Workers' Compensation
A significant cost driver for framing crews given the physical nature of the work.
General Liability
Should address both ongoing operations and completed structural work.
Tools & Equipment / Inland Marine
Covers nail guns, saws, and other portable power tools.
Commercial Auto
For flatbeds and trucks transporting lumber and crews.
Typical Cost Range
Typical range
$3,200 – $6,800 / year
Pricing varies by payroll, revenue, subcontractor use, prior claims, limits, endorsements, certificate requirements, and underwriting approval.
Framing subcontracts on tract and multi-unit projects often require per-project aggregate and additional insured endorsements.
Frequently Asked Questions
Related Trades in Exterior and Structural Trades
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