Insurance for carrier fiber construction contractors building OSP, FTTH, network overbuilds, and broadband infrastructure for AT&T, Verizon, T-Mobile, Frontier, Lumen (now AT&T), Brightspeed, Comcast Business, Spectrum Business, Cox Business, and regional ISPs. GL, Workers’ Comp, Commercial Auto, Inland Marine for splicers and OTDR gear, and same-day Additional Insured COIs that clear carrier pre-qualification.
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ISP subcontracting demands specific coverage — the right limits, the right additional insured language, and the right policies to satisfy telecom carrier requirements on every project.
Required by every ISP, cable operator, and telecom GC. Most subcontractor agreements require $1M/$2M GL with the ISP named as additional insured and a waiver of subrogation. We issue policies and COIs that satisfy ISP-specific requirements from day one.
Required by state law and by every ISP subcontractor agreement. Telecom subcontracting — aerial pole work, underground boring, trench digging, and FTTH drop installation — is physically demanding work with real injury risk. Protect your crew and stay compliant.
ISP subcontractors rely heavily on fleet vehicles — bucket trucks, boring rigs, cable reels, and service vans. Commercial auto coverage protects your vehicles while they're on the road, on ISP work sites, and between job locations. Hired and non-owned coverage also available.
Most major ISPs require $2M–$5M umbrella limits in addition to the base GL and workers' comp for subcontractors working on their network. We structure umbrella policies that stack properly over your underlying coverages to hit the exact limits your ISP requires.
Covers your directional boring equipment, cable reels, fusion splicers, OTDRs, and specialty telecom tools whether they're on the job, in transit, or stored at your yard. Equipment theft and damage coverage for the tools your operation depends on.
License bonds and performance bonds required by state contractor licensing boards and by public-sector ROW contracts. ISP broadband expansion projects often require performance bonds in addition to standard insurance. We coordinate bonding with your insurance program.
From FTTH drop crews to OSP construction, we cover the full range of telecom subcontractor work for cable operators, fiber ISPs, and regional CLECs.
Contractors installing fiber-to-the-home drops for ISPs and cable operators — including aerial drops, underground boring, and inside wiring. FTTH drop work requires proper GL and workers' comp to meet carrier subcontractor requirements.
Subcontractors performing aerial strand lashing, fiber cable placement, and aerial plant construction on utility poles for ISPs and telecoms. Aerial work adds bucket truck, elevated work, and utility pole access exposures.
Directional boring and trenching contractors installing underground conduit and fiber for ISP network builds. Underground work carries underground facility strike exposure that requires the right GL coverage and damage-to-underground-facilities endorsements.
Splice crews working as subs on ISP fiber builds — performing aerial and underground fusion splicing for major carrier projects. ISPs require specific COI language and limits for splice subcontractors working on their plant.
Cable TV installation and service contractors working as subs for Comcast, Charter, Cox, and other cable operators. CATV sub work requires GL, workers' comp, and commercial auto coverage that meets cable operator subcontractor requirements.
Contractors building out fiber and fixed wireless broadband infrastructure in rural and underserved areas under BEAD, RDOF, and other federal broadband funding programs. Rural buildouts often require higher bonds and specific insurance requirements.
Generic insurance agents don't know what Comcast, AT&T, or Lumen require in their subcontractor agreements. We do — and we make sure your policy meets those specific requirements.
Every major ISP has specific insurance requirements for subcontractors — different limits, different additional insured endorsements, specific waiver of subrogation language. We've handled policies for subs working for Comcast, AT&T, Lumen, Frontier, and regional CLECs, and we know exactly what each requires.
ISPs often require you to have a COI on file before your crew can step on their network. We get you insured and issue COIs promptly — including ISP-specific additional insured endorsements and waiver of subrogation — so you never lose a telecom contract over paperwork.
Many standard GL policies exclude underground work or include exclusions for damage to underground facilities. We make sure your policy covers boring and trenching operations — including underground facility strikes — so there are no coverage gaps when you're working in the ground.
Most major cable operators and fiber ISPs require $2M–$5M umbrella limits in their subcontractor agreements. We structure umbrella policies that stack correctly over your base GL and workers' comp to hit the exact limits required — efficiently and at competitive rates.
Common questions from fiber installers, CATV subs, and telecom subcontractors about ISP insurance requirements.
Yes. Every major ISP — including Comcast, AT&T, Lumen, Frontier, and regional CLECs — requires subcontractors to carry their own general liability and workers' compensation insurance and name the ISP as an additional insured. You cannot rely on the ISP's insurance. We issue policies and COIs that satisfy the specific requirements of major ISPs and telecom carriers so you can work on their network.
ISP subcontractor requirements typically include: $1M per occurrence / $2M aggregate general liability, workers' compensation at statutory limits, $1M commercial auto (CSL), and $2M–$5M umbrella/excess. Many major ISPs also require a waiver of subrogation endorsement and specific additional insured language. Requirements vary by ISP and project type. We help you meet the exact requirements for the ISP you're working for.
We issue certificates of insurance promptly. ISPs often require COIs before allowing subcontractors on their network, so speed is critical. We know the additional insured and waiver of subrogation requirements for major ISPs and can issue COIs that satisfy those requirements immediately. You should never lose a telecom contract over a paperwork delay.
It depends on your policy. Many standard GL policies exclude underground work or include exclusions for damage to underground facilities (utility strikes). We make sure your policy actually covers boring, trenching, and underground fiber installation — including underground facility strike coverage — so you have no gaps when working in the ground on ISP projects.
General liability for a telecom subcontractor typically starts around $1,200–$3,000/year depending on annual revenue, number of employees, types of work (aerial, underground, drop installation), and states of operation. Underground boring and aerial work typically carry higher premiums than inside-plant work due to increased risk. Adding workers' comp, commercial auto, and umbrella coverage will increase the total. Submit a quote for accurate pricing.
We know the COI requirements, additional insured language, and coverage limits for each major carrier. Select your ISP for a tailored coverage guide.
AT&T requires $2M GL aggregate, named additional insured, and waiver of subrogation. Get the right COI for AT&T fiber subcontractor work.
Verizon and Frontier subcontractors need COIs meeting specific carrier requirements. We know the exact language required.
Lumen subcontractors working on enterprise and long-haul fiber projects need specialized COIs and coverage for both aerial and underground plant.
Brightspeed is expanding fiber rapidly in the Southeast and Midwest. Subcontractors need GL, workers' comp, and auto meeting Brightspeed COI requirements.
Google Fiber subcontractors need insurance that meets Alphabet's strict subcontractor requirements — we know what Google Fiber COIs need to include.
Metronet is one of the fastest-growing fiber ISPs in the Midwest. We cover the subcontractors building out their fiber-to-the-home network.
Ziply Fiber is upgrading legacy infrastructure across the Pacific Northwest. Subcontractors working on Ziply fiber builds need the right COIs.
Bluepeak is bringing fiber to underserved markets in the Mountain West and Plains states. We cover the subcontractors making that buildout happen.
Ripple Fiber subcontractors need COIs that meet this regional ISP's requirements for FTTH drop installation and outside plant construction.
Archtop Fiber is building fiber networks in the Hudson Valley and broader Northeast. We cover subcontractors in their growing build territory.
Greenlight Networks is expanding fiber across Western New York. Subcontractors on Greenlight builds need proper GL, workers' comp, and COIs.
Intrepid Fiber subcontractors need insurance built for the specific risks of fiber construction projects — aerial, underground, and FTTH drop work.
WeCom Fiber operates in rural markets where BEAD funding is driving fiber expansion. We cover the contractors and subcontractors on those builds.
Wire3 subcontractors performing fiber construction, splicing, and drop installation need COIs that meet Wire3's specific requirements.
Insurance for Crown Castle subcontractors performing fiber installation, small cell node deployment, and tower services nationwide.
No-obligation quotes for FTTH installers, aerial crews, boring contractors, and telecom subs working for ISPs and cable operators nationwide.
Get My Free ISP Sub QuoteIMPORTANT DISCLOSURES: FiberContractorInsurance.com is a lead generation website operated by a licensed insurance brokerage. This website is not an insurance company and does not issue policies or bind coverage. Submission of a quote request does not constitute an insurance application, a coverage binder, or a guarantee of insurability or pricing. All coverage is subject to underwriting approval by the issuing carrier.
Insurance products and availability vary by state. ISP and telecom carrier subcontractor insurance requirements vary by company and contract and are subject to change. Always verify current requirements with your ISP or prime contractor. This site does not constitute legal or insurance advice.