Purpose-built insurance for fusion splicing contractors, OTDR technicians, and aerial and underground splice crews. Get coverage that actually protects the specialized tools and high-stakes work of fiber optic splicing — including completed operations and inland marine for your equipment.
Fusion splicing and OTDR work carries unique risks — from expensive equipment to completed-operations claims. We put together policies built around the realities of the splice trade.
Required by every ISP, GC, and municipality awarding splice contracts. Covers third-party bodily injury and property damage that occurs during your splicing work — including completed operations coverage for claims arising after the job closes.
Protects your fusion splicers ($8K–$15K+), OTDRs ($5K–$10K+), cleavers, test sets, and splice closure inventory anywhere — on the job, in your truck, or in transit. Standard GL does not cover your own equipment.
Required in nearly every state for splice contractors with employees. Protects your crew whether they're splicing on aerial platforms, in underground vaults, or inside active OSP environments. Covers medical expenses and lost wages from job-related injuries.
Covers the work trucks and vans your splice crews drive to job sites — including equipment transport vehicles and aerial lift trucks. Hired and non-owned auto coverage available for contractors who use personal vehicles for business.
ISPs and large fiber construction GCs often require $2M–$5M umbrella limits before awarding splice subcontracts. We get you the limits needed to qualify for major carrier contracts and large OSP projects without inflating your GL base premium.
License bonds and performance bonds required by state licensing boards and by public-sector ROW contracts. We handle bonding for fiber optic splicing contractors across all 50 states, coordinated with your GL policy for streamlined compliance.
From aerial pole splicing to emergency fiber restoration, we cover the full spectrum of fiber optic splicing operations.
Contractors who perform precision fusion splicing on single-mode and multi-mode fiber, including splice-on connectors, pigtail splicing, and mass fusion splicing for ribbon cable projects.
Crews working on aerial fiber on utility poles and aerial plant — including figure-8 cable, ADSS, and lashed strand. Aerial work adds elevated work and bucket truck exposures that require proper coverage.
Contractors who access underground vaults, splice pedestals, and buried splice enclosures for underground fiber plant. OSP environments require coverage for confined space and excavation exposures.
Technicians who perform OTDR testing, optical loss testing (OLTS), and fiber characterization for acceptance testing, troubleshooting, and network commissioning. Specialized equipment makes inland marine coverage essential.
Contractors on call for fiber cuts and emergency splice repairs for ISPs and utilities. Emergency work often involves expedited access to public ROW, adding unique liability exposure that requires the right coverage in place.
Splice contractors working as subs for large fiber construction GCs, ISPs, and telecoms on major OSP buildout projects. We issue COIs that meet ISP-specific additional insured and waiver of subrogation requirements.
Generic agents don't understand the risks of fusion splicing, OTDR work, or what ISPs require in their subcontractor agreements. We do — and we make sure your policy is built for your trade.
For fiber splicers, this is the coverage that matters most. A marginal splice might pass initial testing but cause network issues weeks later. We make sure your policy includes completed operations coverage so you're protected after the job closes — not just while you're on site.
Your fusion splicer and OTDR are your livelihood — and they travel from job to job. We secure inland marine (equipment floater) coverage that protects your gear whether it's on the job, in your vehicle, or being shipped for service. No gaps, no surprises.
ISPs and fiber GCs have specific COI requirements — additional insureds, waiver of subrogation, specific limits. We know these requirements and issue COIs that satisfy them immediately so you never lose a splice contract over paperwork.
Many standard contractor policies exclude underground work, telecom operations, or fiber optic work entirely. We work with carriers that understand and embrace fiber optic splicing — so your policy covers your actual work without buried exclusions.
Common questions from fusion splicers, OTDR technicians, and splice subcontractors about their insurance needs.
Yes. Every ISP, GC, and municipality awarding splice contracts will require you to carry general liability insurance and name them as an additional insured. GL covers third-party bodily injury and property damage during your work. For splicers, completed operations coverage is especially important since fiber performance issues can emerge weeks after the job is complete.
Fusion splicers cost $8,000–$15,000 or more, and OTDRs can run $5,000–$10,000+. Standard general liability does not cover your own tools and equipment — it only covers damage you cause to others. Inland marine (equipment floater) insurance covers your gear on the job, in your vehicle, or in transit. If your fusion splicer is stolen out of your truck or dropped down a vault, inland marine pays to replace it.
Completed operations coverage protects you against liability claims that arise after a job is finished. For fiber optic splicers, this is critical: a splice that passes initial testing may cause degraded signal, network outages, or equipment damage weeks or months later. Without completed operations coverage, you could be unprotected once you've packed up and moved on. We make sure your policy includes this coverage.
General liability for a fiber optic splicing contractor typically starts around $900–$2,500/year depending on annual revenue, number of employees, and states of operation. Adding inland marine for your fusion splicer and OTDR, workers' comp, and a commercial auto policy will increase the total. Submit a quote request above for accurate pricing from multiple A-rated carriers.
Yes. If you're subcontracting splice work for an ISP, CLEC, or fiber construction company, they will require you to carry your own GL and workers' comp and name them as an additional insured on your policy. We issue COIs that meet the specific requirements of major ISPs, utilities, and fiber GCs, and we move quickly so you don't lose a contract over paperwork.
No-obligation quotes for fusion splicers, OTDR technicians, and aerial and underground splice crews nationwide.
Request My 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. Coverage terms, conditions, and exclusions vary by policy and carrier. This site does not constitute legal, licensing, or insurance advice. Always review your policy documents carefully.