What insurance is specific to tower erection and new build projects?

Tower erection and new build projects carry unique exposures beyond standard tower maintenance work. Specific insurance considerations include: (1) Higher GL limits due to increased property damage exposure from crane operations, structural assembly, and foundation work. A crane dropping a tower section can damage surrounding structures for $1M or more. (2) Riggers liability or crane operator coverage for hoisting operations, particularly if you operate your own crane. (3) Builders risk or installation floater covering the structure under construction until handoff. The partially erected tower has significant value that is not covered by the eventual owner's property policy until completion. (4) Professional liability if your scope includes any structural engineering, design, or modification to stamped plans. (5) Pollution liability for foundation work involving potential soil disturbance, fuel spills from heavy equipment, or concrete washout. (6) Railroad protective liability if the tower site is adjacent to railroad right-of-way, as many communication towers are located along rail corridors. (7) Crane-specific coverage with adequate limits for the crane value and rigging operations. The total insurance cost for a dedicated tower erection crew is typically 20-40% higher than a maintenance crew due to these additional exposures and higher severity potential.