Coverage types

Each coverage line in a tower contractor program serves a specific purpose. Understanding what each one does - and how MSAs require them to be structured - is the foundation of a compliant program.

General Liability

Bodily injury and property damage liability for tower and telecom operations

Workers Compensation

Statutory workers comp and employers liability for tower crews

Umbrella & Excess Liability

Additional limits stacked above GL, auto, and employers liability

Inland Marine

Coverage for tools, equipment, gin poles, and rigging in transit and on site

Commercial Auto & Fleet

Auto liability and physical damage for trucks, boom trucks, and crew vehicles

Drone/UAV Liability

Hull and liability coverage for commercial drone operations

Professional Liability

E&O coverage for structural analysis, mount design, and engineering services

Pollution Liability

Environmental liability for fuel, batteries, and hazardous materials