Pulling coax, running fiber, or installing drops anywhere in Florida? We insure cable and telecom installers across the Spectrum and Xfinity markets — GL, workers’ comp, commercial auto, and fast ISP additional insured COIs for crews in Miami, Tampa, Orlando, Jacksonville, and statewide.
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Florida requires comp from the first employee in construction, has some of the country’s most expensive auto coverage, and adds hurricane season on top. Here’s the coverage Florida crews carry.
The foundation of any cable installer's insurance program. GL covers property damage you cause at a customer's home or business, bodily injury on the job, and completed operations claims after the work is done. Most ISP and cable company agreements require $1M/$2M GL with AI endorsement.
Required in Florida from the first employee for construction businesses. Up to three corporate officers who each own at least 10% can elect an exemption, but primes still expect coverage for everyone on site.
Florida commercial auto is among the most expensive in the country, and personal policies don’t cover work vehicles. Commercial Auto covers your vans and trucks, hired and non-owned vehicles, and the $1M limit most ISPs require.
Umbrella coverage adds an extra layer of protection above your GL and Auto limits. For cable installers working on larger commercial contracts, multi-dwelling units, or ISP builds, an Umbrella of $1M–$2M is often required and always smart to have.
Protects cable tools, test equipment, wire reels, and gear in your van or at job sites. Standard GL doesn't cover your own tools — Inland Marine fills that gap so a stolen van or damaged equipment doesn't put you out of work.
Working for AT&T, Comcast, Spectrum, Charter, or another ISP? They'll require a COI naming them as Additional Insured before your first day on the job. We issue AI COIs promptly — with the correct entity name and endorsement language your subcontract requires.
We insure cable and telecom installers across Florida, from South Florida fulfillment crews to Tampa Bay and Orlando fiber builders.
Coaxial cable installation for cable TV, broadband, and MDU properties. Includes interior and exterior coax runs, splitter installation, and signal testing.
FTTH drop installation, aerial lashing, underground OSP, and fiber splicing. Whether you work for an ISP or on commercial fiber builds, we have you covered.
Cat5e, Cat6, Cat6A data cabling for residential and commercial buildings. Includes patch panels, keystones, home distribution panels, and network infrastructure.
Low voltage contractors installing security, access control, audio/video, intercom, and telecom wiring in residential and commercial buildings.
Cable and fiber subcontractors for AT&T, Comcast, Spectrum, Charter, Cox, Frontier, Brightspeed, Lumen, and other ISPs and cable companies nationwide.
Internet service installation technicians — residential and commercial broadband drops, equipment installation, CPE setup, and customer premise wiring.
We know Florida’s ES licensing, construction comp rules, and storm-season demands, not just general contractor coverage.
Standard contractor policies often have exclusions for telecom and cable work. We work with carriers that understand cable installation and write policies that actually cover what you do.
ISP subcontract work moves fast. We get you insured and issue AI COIs fast — so you never lose a cable job because of an insurance delay.
We know what entity names and AI language AT&T, Comcast, Spectrum, Charter, Frontier, and other cable companies require. Your COI passes compliance the first time.
We handle cable installer insurance across all 50 states — with the Workers' Comp expertise to make sure you're compliant wherever you work.
Typical 2026 premium ranges for cable installers working in Florida.
Florida commercial auto is among the most expensive in the country, and workers’ comp is required from the first employee in construction, so packages run above average.
For the full breakdown, see our Florida cost guide. Your number depends on scope, payroll, vehicles, claims history, and the limits your primes require; start a quote for an exact figure.
What the state requires before your crews start work, separate from what ISPs and primes require in their contracts.
Licensing rules change and often depend on scope, so confirm with the state board before bidding. For coverage that applies in every state, including cable layer and communication equipment installation coverage, see our main cable installer insurance guide.
Florida’s cable and fiber work is split among several operators, with hurricane restoration adding a second wave of work most years.
Each operator and prime sets its own insurance requirements, and certificates must name the right legal entity. We match your package to the program you’re working under, with fast COI issuance once you’re bound.
Florida requires the state Limited Energy Systems (ES) specialty license through the ECLB for most low-voltage and cable work.
Florida’s largest cable market. GL, workers’ comp, and fast COIs for installers on fulfillment routes, MDU projects, and commercial installs in and around Miami.
Coverage for cable and telecom installers working residential fulfillment, enterprise, and institutional jobs across the Tampa metro.
Growing fulfillment and overbuild markets. Fast additional insured COIs for crews based around Orlando and Jacksonville.
Statewide FL rating with no per-county surprises — coverage that travels with your crews from metro fulfillment routes to rural builds.
What cable and telecom installers ask about working in Florida.
Often, yes. Low-voltage voice, data, and video work is licensed through the Electrical Contractors' Licensing Board's limited energy systems (ES) specialty. Cable TV distribution and work for regulated utilities can be exempt, so confirm whether your scope needs the license before you bid.
Yes, from the first employee for construction businesses. Florida lets up to three corporate officers who each own at least 10% of the company elect an exemption, but primes usually still require proof of coverage for anyone on site.
A solo tech carrying general liability typically pays $1,800 to $3,600 a year. A 2-5 person crew with the full package typically pays $8,500 to $20,000, and Florida commercial auto is one of the biggest drivers.
Comcast Xfinity in South Florida and Jacksonville, Spectrum in Orlando and Tampa Bay (plus former Cox markets in Gainesville, Ocala, and Pensacola), AT&T Fiber, and Frontier in Tampa Bay. Hurricane restoration adds surges of work most seasons.
Yes. Contact Sunshine 811 at least two full business days before you dig and wait for every utility to respond. A strike on an unmarked line can leave you paying for the repair.
No-obligation quotes for cable and telecom installers — prompt COI service, A-rated carriers, all 50 states.
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Site managed by Altamira Insurance Agency. See also: California Contractor Insurance — CSLB licensing, bonds & coverage for California contractors.
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