General liability
Third-party injury and damage, with underground hazards included.
Business Insurance
Telecom insurance for networks and installers.
Fibre in the ground, equipment on towers, and service that customers build their own operations on.
Telecom businesses span installation contractors, network operators and equipment providers, and the exposures follow what you actually do. Installers face underground and work-at-height risk; providers face service interruption claims from customers who depend on the network.
Underground strikes and work at height
Cutting a fibre line during installation produces third-party claims from every business that loses service, and those can far exceed the cost of the repair. Underground hazard cover needs to be included rather than excluded.
Tower and pole work carries a height exposure that carriers underwrite closely, and workers compensation matters here even though Texas does not require it. Climbing certification and safety records affect both availability and price.
What it covers
The parts of a telecom insurance policy
Equipment and materials
Cable, electronics and installation equipment on site and in transit.
Service interruption
Customer claims arising from network outages, where covered.
Commercial umbrella
Extra limits, which utility and interruption claims can exhaust.
Working with us
What we do differently
We are an independent agency, so we place your telecom insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Confirm underground and collapse hazards are included, not excluded
- Document climbing certification and safety procedures for tower work
- Carry an umbrella — service interruption claims aggregate quickly
Common questions
Telecom Insurance, answered
Is cutting a fibre line covered?
Only where underground hazards are included rather than excluded. The claim extends beyond the repair to every business that lost service, so it is the critical term on a telecom policy.
Do we need workers comp for tower crews?
Texas does not require it, but the injury exposure at height is severe and non-subscriber status removes key legal defences. Most contracts require it regardless.
Are customer outage claims covered?
Sometimes, and it varies by form. Service interruption liability is worth addressing explicitly if customers rely on your network for their own operations.
Related cover
Often arranged alongside this
Excavation Insurance
The defining risk in excavation is what you cannot see. Striking a gas, fibre or water line turns a routine dig into a very expensive day.
Read moreContractor Insurance
Most contractors do not buy insurance because they want it. They buy it because a general contractor, a client or a city will not let them start without a certificate.
Read moreCommercial Umbrella Insurance
Most businesses buy an umbrella because a contract demanded it. Most keep it because one serious claim would have exhausted the primary policy.
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