Does my GL policy cover damage to tower equipment I am installing?

Generally no. GL policies contain a care, custody, and control (CCC) exclusion that eliminates coverage for property in your possession or under your control. Equipment you are actively installing, such as antennas, radio units, cable trays, and mounts, is considered property in your care and custody. If you drop, damage, or destroy it during installation, your GL will not respond. This is one of the most common coverage gaps for tower contractors. The solutions are: (1) Installation floater or inland marine coverage that specifically covers equipment and materials during transport and installation until handoff, (2) Builders risk coverage for larger projects where you carry significant material value on site, (3) Contractual provisions that clearly define when risk of loss transfers between the equipment owner and the installer. Many tower contractors carry an installation floater with limits matching the maximum value of equipment they handle on any single project. This is separate from your tools and equipment coverage, which protects your own property. The installation floater protects customer-owned or carrier-owned equipment while in your hands.