Framing Contractor Insurance Cost: Ranges + Calculator
Framing is elevated, high-injury work, and its insurance reflects that. General liability with products–completed operations is the core — a framing error missed at inspection can surface as a structural defect years later, and construction-defect claims run a 4–10 year statute in most states. Workers' compensation is critical for crews working at height on open joists before fall-protection systems are in place (OSHA fall protection), where nail-gun and fall injuries dominate the claims. Our own quote data shows framing buyers most often request general liability.
As an industry-typical estimate, framing contractors commonly carry $1,000,000 general liability (with completed operations) to get on a general contractor's approved-vendor list, plus workers' comp on payroll. No insurance bureau publishes framing premiums, so every dollar here is an estimate; each fact is sourced to a named authority (OSHA, IRMI, III). Use the calculator below, then get a real quote in 5 minutes.
| Business activity |
|---|
| Building framing (except structural steel) |
| Carpentry, framing |
| Ceiling beam, wood, installation |
| Foundation, building, wood, contractors |
| Framework, house, contractors |
| Framing contractors |
| House framing |
| Permanent wood foundation installation |
| Post framing contractors |
| Prefabricated wood frame component (e.g., trusses) installation |
| Roof truss (wood) installation |
| Sheathing, wood, installation |
| Steel framing contractors |
| Stud wall (e.g., wood, steel) installation |
| Wall component (i.e., exterior, interior), prefabricated, installation |
| Wood frame component (e.g., truss) fabrication on site |
What businesses actually request
Across 19 recent commercial-insurance quote requests on Get Business Coverage, here is how often each coverage line is requested — our own first-party demand data, not a rate quote.
| Coverage | Share of requests |
|---|---|
| General Liability | 68.4% |
| Business Owner's Policy | 36.8% |
Estimate your commercial insurance cost
Plug in a few business details and we'll show an industry-typical annual range for General Liability + Workers Compensation + Commercial Auto, with the source for every number. Real quotes vary by carrier, claims history, and underwriting — get an actual quote here.
Industry-typical market ranges
Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form
Coverage lines a framing contractor typically carries (industry-typical estimates):
- General liability with products–completed operations: the framing you install that fails after the job — construction-defect claims surface years later. IRMI completed operations.
- Fall exposure: elevated work on open joists before fall protection is installed — the trade's defining injury. OSHA fall protection.
- General liability limits: commonly $1,000,000, required to get on most GCs' vendor lists. III commercial general liability.
- Workers' compensation: mandatory for a high-injury crew in nearly every state. III workers comp.
Story-height limits, payroll and residential vs. commercial mix are primary rating factors.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting framing contractor operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | NV | -32.8% voluntary loss cost decrease (legislatively-driven; SB 317) | Oct 1, 2026 | SERFF #NCCI-134895530 |
| WC | RI | Overall -2.5% voluntary (industrial); -12.9% federal classes | Aug 1, 2026 | SERFF #NCCI-134743616 |
| WC | AR | Overall -9.8% voluntary loss cost; -9.8% assigned risk market | Jul 1, 2026 | SERFF #NCCI-134876672 |
| WC | TX | Overall -3.8% adjustment to voluntary loss cost level | Jul 1, 2026 | SERFF #NCCI-134745334 |
| WC | OH | -1% private-employer rate cut (~$10M aggregate; -50% cumulative since 2019) | Jul 1, 2026 | — |
| WC | SC | -0.4% voluntary loss cost decrease | Apr 1, 2026 | SERFF #NCCI-134702984 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
| WC | NC | per $100 payroll (advisory loss cost) | Apr 1, 2026 | Filing #NCRI-134628278 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Bureau-filed loss-cost activity by state — 45 states with filings
Each link below opens a framing contractor-specific page showing only that state's most-recent bureau-filed loss-cost filings (NCCI workers' comp and/or ISO commercial-lines), cited to the regulator or bureau filing each came from. Filed-rate data ≠ carrier final rates.
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Sources cited
- Products-Completed Operations — International Risk Management Institute (IRMI), 2024
- OSHA Fall Protection — Occupational Safety and Health Administration (OSHA), 2024
- Commercial General Liability Insurance — Insurance Information Institute (III), 2024
- Workers Compensation Insurance — Insurance Information Institute (III), 2024