Fence and deck builders help homeowners create secure, stylish outdoor spaces, but the job comes with structural risks, injury hazards, and liability concerns. From power tool injuries to collapsed decks, a single accident or defective installation can lead to serious financial losses.
Here’s what Colorado fence and deck builders need to know about insurance coverage, job site risks, and real-world claims.
The Biggest Risks for Fence & Deck Builders in Colorado
🏗 Structural Failures & Collapses – Improperly installed decks or fences can collapse, leading to injuries or lawsuits.
🔨 Worksite Injuries from Power Tools – Nail guns, saws, and drills can cause serious injuries to workers and bystanders.
🚛 Work Vehicle Accidents – Transporting wood, concrete posts, and fencing materials increases accident risks for work trucks.
💨 Extreme Weather Delays & Material Losses – High-altitude conditions in Colorado can warp materials, damage work in progress, or delay schedules.
💡 Real Case Study: A deck builder in Fort Collins faced a $125,000 lawsuit when a deck collapsed just three months after installation due to improper anchoring. Professional liability insurance covered legal costs and replacement expenses.
Essential Insurance for Fence & Deck Builders
✔ General Liability Insurance – Covers property damage and injuries from deck and fence construction.
✔ Workers’ Compensation – Required in Colorado for businesses with employees.
✔ Professional Liability Insurance – Covers faulty installation claims or project disputes.
✔ Tools & Equipment Insurance – Protects nail guns, saws, and drills from theft or damage.
✔ Commercial Auto Insurance – Covers work trucks and trailers hauling materials.
💡 Did You Know? Some Colorado municipalities require deck builders to carry a minimum of $1M in general liability insurance before issuing permits.
How to Lower Insurance Costs for Fence & Deck Builders
🔹 Use high-quality fasteners and materials to prevent structural failures.
🔹 Train workers on proper deck anchoring techniques to avoid liability claims.
🔹 Bundle liability, workers’ comp, and auto insurance for better rates.
Final Thoughts
Fence and deck builders work with high-value materials and structural components, making insurance essential for financial protection. With the right coverage, you can build confidently and avoid costly legal battles.
