Insurance built for fiber optic contractors.

Because a standard general liability policy excludes pollution. Horizontal directional drilling carries real environmental exposure — a bore can strike a gas, sewer, or fuel line, and a frac-out can push drilling fluid (bentonite) to the surface where it does not belong. The cleanup and third-party damage from those events fall outside GL. Pollution liability is the line that responds, which is why underground fiber work specifically needs it.

Professional liability — errors and omissions — responds when your work causes a financial loss without physical damage. A faulty splice, a network that does not test out to spec, or an as-built error can cost a client real money even though nothing was physically destroyed. General liability covers bodily injury and property damage; it does not cover that kind of economic loss. For splicing and spec-driven work, E&O is the coverage that fills the gap.

Workers comp follows your payroll, so the state your crew is physically working in matters as much as the state you are based in. A team living in one state and running a build in another can trigger coverage requirements in both. We structure comp for multi-state payroll and flag the four monopolistic states — North Dakota, Ohio, Washington, and Wyoming — where private carriers cannot write comp at all and coverage comes only through the state fund.

That is what contractors equipment coverage — inland marine — is built for. Your high-value mobile gear, from directional drills and bucket trucks to fusion splicers and locators, moves between job sites and often sits at remote or unattended locations. Inland marine covers that equipment on the move and at the site, including theft, in a way a standard property policy tied to a fixed address does not.

Primes and BEAD subgrantees set their own insurance requirements, but they typically ask for general liability, commercial auto, and workers compensation, often with an umbrella to reach higher limits, plus certificates of insurance naming them as additional insured. The exact limits vary by contract. We help fiber contractors build a program that meets those requirements and turn certificates around so a coverage gap does not cost you a bid.

There is no single price, because premium is driven by your specific operation. The biggest factors are your payroll and crew classifications, your mix of drilling versus aerial versus splicing work, the value of your equipment, how many states you operate in, and your claims history. A splice-focused crew looks very different to an underwriter than a directional drilling operation. We price to the real risk rather than a generic guess.