At ContractorNerd, our proprietary quote platform has analyzed over 200 fence contractor insurance quotes from contractor-friendly insurers, revealing significant pricing variations across states with potential savings ranging from 50% to 80%. Our tech-enabled platform and specialized agents have compiled this guide to help you benchmark your insurance costs and identify savings opportunities.
What You’ll Learn:
- State-by-state premium benchmarks for $50K, $150K, and $500K revenue levels
- Actual quote ranges showing favorable vs. higher-end premiums
- Percentage of revenue you should expect to pay
- Potential savings ranging from 36% to 82% by state
The data represents general liability premiums for $1M/$2M coverage limits. Rates assume: $50K revenue (1 owner, 0 employees), $150K revenue (1 owner, 1 employee, proven safety record), and $500K revenue (1 owner, 3 employees, comprehensive safety protocols). All assume less than 10% subcontractor costs.
Beyond understanding pricing, knowing which coverages protect against utility line strikes, boundary disputes, and installation failures is crucial—explore complete fencing contractors insurance options that match your specific installation work.
Jump to State
State-by-State Insurance Cost Analysis
Arizona
The table below shows general liability premiums for $1M/$2M coverage limits, with the premium range expressed as a percentage of revenue to help with budgeting.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,520 | $960 | $3,720 | $2,760 (74%) |
| $150,000 | $3,280 | $1,780 | $7,050 | $5,270 (75%) |
| $500,000 | $9,160 | $3,380 | $16,320 | $12,940 (79%) |
Arizona offers moderate insurance costs, with premiums ranging from 0.7% to 7.4% of revenue depending on business size and carrier selection.
California
The table below shows general liability premiums for $1M/$2M coverage limits, with the premium range expressed as a percentage of revenue to help with budgeting.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,180 | $1,440 | $2,980 | $1,540 (52%) |
| $150,000 | $5,010 | $3,630 | $7,010 | $3,380 (48%) |
| $500,000 | $14,070 | $8,420 | $20,880 | $12,460 (60%) |
California has some of the highest average premiums, ranging from 1.7% to 6.0% of revenue, driven by its litigious climate and strict regulations.
Florida
The table below shows general liability premiums for $1M/$2M coverage limits, with the premium range expressed as a percentage of revenue to help with budgeting.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,200 | $1,040 | $4,970 | $3,930 (79%) |
| $150,000 | $5,050 | $3,830 | $7,720 | $3,890 (50%) |
| $500,000 | $14,490 | $11,000 | $17,810 | $6,810 (38%) |
Florida’s hurricane exposure drives wide premium variations from 2.1% to 9.9% of revenue, with smaller contractors facing the most volatility.
Illinois
The table below shows general liability premiums for $1M/$2M coverage limits, with the premium range expressed as a percentage of revenue to help with budgeting.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,610 | $1,380 | $5,430 | $4,050 (75%) |
| $150,000 | $5,930 | $2,630 | $10,910 | $8,280 (76%) |
| $500,000 | $16,180 | $5,030 | $26,980 | $21,950 (81%) |
Illinois has the highest average premiums among analyzed states, ranging from 1.0% to 10.9% of revenue, but also offers the largest potential savings.
Massachusetts
The table below shows general liability premiums for $1M/$2M coverage limits, with the premium range expressed as a percentage of revenue to help with budgeting.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,540 | $980 | $3,770 | $2,790 (74%) |
| $150,000 | $3,380 | $1,720 | $6,450 | $4,730 (73%) |
| $500,000 | $9,080 | $3,300 | $13,570 | $10,270 (76%) |
Massachusetts shows moderate costs with premiums from 0.7% to 7.5% of revenue, aligning with national averages.
Michigan
The table below shows general liability premiums for $1M/$2M coverage limits, with the premium range expressed as a percentage of revenue to help with budgeting.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,260 | $830 | $2,970 | $2,140 (72%) |
| $150,000 | $2,740 | $1,400 | $4,540 | $3,140 (69%) |
| $500,000 | $7,590 | $2,450 | $10,810 | $8,360 (77%) |
Michigan provides some of the most favorable rates nationwide, ranging from 0.5% to 5.9% of revenue.
North Carolina
The table below shows general liability premiums for $1M/$2M coverage limits, with the premium range expressed as a percentage of revenue to help with budgeting.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,150 | $640 | $3,250 | $2,610 (80%) |
| $150,000 | $2,480 | $1,650 | $5,750 | $4,100 (71%) |
| $500,000 | $7,070 | $5,510 | $11,580 | $6,070 (52%) |
North Carolina offers competitive rates from 1.1% to 6.5% of revenue, with rate compression at higher revenue levels indicating market maturity.
Pennsylvania
The table below shows general liability premiums for $1M/$2M coverage limits, with the premium range expressed as a percentage of revenue to help with budgeting.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,980 | $940 | $4,750 | $3,810 (80%) |
| $150,000 | $4,140 | $2,270 | $8,560 | $6,290 (73%) |
| $500,000 | $12,210 | $4,530 | $18,690 | $14,160 (76%) |
Pennsylvania shows wide premium variations from 0.9% to 9.5% of revenue, reflecting diverse geographic risks and legal environments.
Texas
The table below shows general liability premiums for $1M/$2M coverage limits, with the premium range expressed as a percentage of revenue to help with budgeting.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,860 | $1,120 | $4,780 | $3,660 (77%) |
| $150,000 | $4,020 | $2,540 | $8,720 | $6,180 (71%) |
| $500,000 | $10,610 | $4,900 | $18,440 | $13,540 (73%) |
Texas presents moderate costs ranging from 1.0% to 9.6% of revenue, with significant regional variations affecting pricing.
Virginia
The table below shows general liability premiums for $1M/$2M coverage limits, with the premium range expressed as a percentage of revenue to help with budgeting.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $970 | $660 | $2,010 | $1,350 (67%) |
| $150,000 | $1,900 | $1,570 | $2,460 | $890 (36%) |
| $500,000 | $5,270 | $2,850 | $6,670 | $3,820 (57%) |
Virginia provides the most favorable insurance environment with the lowest rates, ranging from 0.6% to 4.0% of revenue.
Washington
The table below shows general liability premiums for $1M/$2M coverage limits, with the premium range expressed as a percentage of revenue to help with budgeting.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $1,790 | $1,090 | $3,130 | $2,040 (65%) |
| $150,000 | $4,300 | $2,110 | $7,920 | $5,810 (73%) |
| $500,000 | $10,570 | $2,960 | $16,400 | $13,440 (82%) |
Washington offers moderate average premiums from 0.6% to 6.3% of revenue, with the largest savings potential at higher revenue levels.
Get Your Fence Contractor Insurance Quotes Today
Understanding these benchmark premiums empowers fence contractors to make informed decisions and negotiate effectively with insurance carriers. The data reveals potential savings ranging from 36% to 82% between favorable and higher-end rates, demonstrating that working with the right partner can have dramatic impacts on your bottom line.
At ContractorNerd, our proprietary quote platform connects you with contractor-friendly insurers who understand your business. Unlike generic insurance agencies, our tech-enabled platform and team of specialized agents focus exclusively on contractor insurance, ensuring you get:
- Accurate quotes that reflect your actual risk profile, not generic contractor classifications
- Access to multiple A-rated carriers competing for your business
- Expert guidance from agents who understand fence contractor operations
- Streamlined applications that save you time and get you back to work
Don’t leave money on the table by accepting the first quote you receive. Get your customized fence contractor insurance quotes today through ContractorNerd’s platform and discover how much you could be saving. With just a few minutes of your time, you could potentially save thousands of dollars annually while ensuring you have the protection your business needs.