# TowerInsure

> Educational resource on commercial insurance for tower erection crews, telecom construction contractors, and wireless infrastructure subcontractors.

## About

TowerInsure provides agency-neutral, primary-source-cited educational content about insurance programs for the telecom construction industry. We cover tower erection, small cell/DAS installation, fiber construction, tower maintenance, and related work types.

## Key Topics

- Commercial general liability for tower and telecom work (without height exclusions)
- Workers compensation for tower erection class codes
- Umbrella and excess liability stacking for MSA compliance
- Additional insured requirements (primary and noncontributory wording)
- Waiver of subrogation requirements
- Per-project aggregate endorsements
- Inland marine coverage for rigging gear, gin poles, and tools
- Commercial auto and fleet coverage
- Drone/UAV liability for tower inspection
- Subcontractor insurance verification
- OSHA telecom tower safety standards
- State-by-state workers compensation requirements

## Content Sections

- [Coverage Types](/coverage) - Detailed guides on each coverage line
- [Work Types](/work-types) - Insurance considerations by telecom discipline
- [State Guides](/states) - Workers comp and licensing by state
- [Q&A Library](/questions) - Long-tail questions answered with citations
- [Coverage Glossary](/glossary) - Insurance terms defined for telecom contractors
- [Cost Guides](/cost-guides) - Typical premium ranges by work type and crew size
- [Data Tables](/tables) - WC requirements by state, typical MSA requirement tiers
- [Comparisons](/comparisons) - Side-by-side coverage option analysis
- [Tools](/tools) - MSA Requirement Decoder, Umbrella Limit Sizer, Coverage Checker

## Citation Policy

All statutory references, OSHA standards, and industry statistics are cited to primary sources. Dollar figures are presented as typical ranges, never point quotes. Content is educational, not insurance advice.