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Most homeowners focus on design, materials, and cost when investing in a new fence or deck. However, overlooking proper insurance coverage from the company you’re considering hiring can expose you to serious financial and legal risks. Hiring a fully insured contractor isn’t just a wise decision—it’s essential. If an accident or property damage occurs during your project, having the right insurance means you won’t be held financially responsible.

At TOWN Fence & Deck, we don’t just install high-quality fences and decks; we also make sure you’re protected at every step with comprehensive insurance that gives you total peace of mind.

Why Proper Insurance Protects You as a Homeowner

Accidents happen; without the proper insurance, you could be liable for injuries or property damage. Here’s how the right coverage from your contractor protects you:

  • Workers’ Compensation Insurance Shields You from Liability – In Illinois, contractors are required by law to carry workers’ compensation insurance for their employees. This ensures you won’t be financially responsible for medical bills or lost wages if a worker gets injured while installing your fence or deck.
  • Subcontractor Insurance Is Just as Important – It’s common for fence and deck companies to hire subcontractors for specialized tasks. But if these subcontractors don’t have insurance and get injured on your property, you could be liable for their medical costs. We take the extra step to ensure every subcontractor working on your project is fully insured. This added protection means you’ll never have to worry about gaps in coverage—whether it’s a brand-new deck or a fence repair.
  • Liability Insurance Protects Against Property Damage – In addition to workers’ comp, general liability insurance is critical for protecting your home. If we accidentally damage your property—whether knocking over a fence post onto your car or damaging your landscaping with heavy equipment—liability insurance covers the cost of repairs. Our liability insurance covers any property damage during your project, ensuring you won’t face unexpected costs.

Why Choose Us?

When you choose a fence and deck company, you’re not just looking for craftsmanship—you’re looking for a team you can trust with your home and safety. Here’s why working with us means you’re in the best hands:

  • Comprehensive Insurance Coverage for Total Protection: We don’t just meet the legal requirements—we exceed them. With workers’ compensation, general liability insurance, and more, you’re never at risk of being held liable for accidents, injuries, or property damage. You can move forward confidently, knowing we have all the bases covered.
  • Fully Insured Subcontractors: Some contractors cut corners by hiring uninsured subcontractors, leaving homeowners vulnerable. We make sure every person who works on your property, whether part of our team or a subcontractor, is fully insured. That means you’re never exposed to unexpected medical or legal costs.
  • Complete Workers’ Compensation: Construction work comes with risks, but you shouldn’t be responsible if something goes wrong. Our workers’ compensation policy covers all medical expenses and lost wages so you can focus on your project without worry.
  • General Liability Insurance for Property Protection: Whether we accidentally damage your landscaping or something else, our liability insurance covers all repairs. No surprises, no out-of-pocket expenses for you.

These are just a few ways we prioritize your safety and peace of mind. With us, you’re not only getting expert craftsmanship—you’re working with a team committed to protecting your home and investment every step of the way.

Insurance Verification Tips

Want to make sure you’re protected when hiring a contractor? Follow these simple steps to ensure you’re fully covered:

  1. Ask for current insurance certificates before work begins.
  2. Verify that the policy dates cover your entire project duration.

These small steps ensure everything is secure before the first nail is hammered in.

Our Commitment to Your Safety

We take insurance and safety seriously:

  1. Regular Policy Reviews: We update our insurance policies annually to ensure you’re always covered.
  2. Transparent Documentation: Need proof? We provide up-to-date insurance certificates for your peace of mind.

How We Stand Out

In addition to our comprehensive insurance coverage, we offer:

  • Expert Craftsmanship: With years of experience, our skilled team delivers high-quality fence and deck installations using premium materials like wood, vinyl, aluminum, and chain link. Each project is designed to last, adding value and beauty to your home.
  • Custom Designs Tailored to Your Needs: Whether you’re looking for added security with a new fence or want to create a beautiful outdoor living space with a deck, we provide custom solutions that meet your unique requirements.
  • Safety and Reliability: From start to finish, we prioritize your safety. Our team follows strict safety protocols, and combined with full insurance coverage, you can trust your project will be completed with minimal risk and zero stress.

Get Peace of Mind with Us

When you hire us, you choose a contractor who puts your safety and satisfaction first. We go above and beyond to protect our workers, your property, and your investment with comprehensive insurance coverage. From workers’ compensation to liability insurance, we ensure that you, as a homeowner, are never exposed to unnecessary risks.

Don’t risk hiring an uninsured contractor. Choose a team that goes above and beyond to provide safe, reliable, and beautifully crafted fence and deck installations across Illinois.

Ready to start your project? Call us today at 630-474-3001 for a free estimate and experience the peace of mind that comes with working with a fully insured team.