What insurance do I need for tower foundation and civil work?

Tower foundation and civil site work introduces exposures not present in above-ground tower work. Required coverages include: (1) Pollution liability for potential soil contamination, fuel spills from heavy equipment, concrete washout into waterways, and disturbance of pre-existing contamination. Many GL policies exclude pollution, and MSAs increasingly require separate pollution coverage for ground-disturbing activities. (2) Underground utility damage coverage, as striking buried utilities (gas, electric, fiber) during excavation creates both property damage and potentially catastrophic liability. (3) Professional liability if you design foundations or perform geotechnical analysis rather than simply building to an engineer's stamped plans. (4) Inland marine covering excavation equipment, concrete forms, and materials on site. (5) GL without exclusions for subsurface work, blasting (if applicable), or pile driving. The foundation work class code for workers compensation differs from climbing codes. Employees performing only ground and foundation work should be classified under appropriate codes like 5606 or ground-construction codes rather than climbing codes, reducing WC premium for that portion of payroll. If the same employees perform both foundation and climbing work, they must be classified at the higher climbing rate.