Insurance for telecommunications contractors, telecom installers, data cabling crews, carrier fiber construction subs, and ISP service providers. Telecom liability, Workers’ Comp, Commercial Auto, Inland Marine for splicers and OTDR gear, and same-day Additional Insured COIs nationwide.
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Whether you're a solo cable tech or running a crew, here's the coverage you need to protect your business and satisfy ISP and cable company subcontract requirements.
The foundation of any telecommunications contractor'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 most states for any employer with employees. Covers medical bills and lost wages if a cable tech is hurt on the job — drilling walls, working in attics, climbing poles, or pulling cable. Even sole proprietors are often required to carry Workers' Comp by ISP subcontract agreements.
Personal auto policies don't cover vehicles used for work. Commercial Auto covers your vans, trucks, and work vehicles while driving to job sites, carrying cable and equipment, or hauling tools. ISP agreements typically require $1M CSL with the ISP named as Additional Insured.
Umbrella coverage adds an extra layer of protection above your GL and Auto limits. For telecommunications contractors 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 a full range of cable installation and telecom contractor work across all 50 states.
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 specialize in cable and telecom contractor insurance — not general contractor coverage that doesn't fit how you work.
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 the same business day — 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 telecommunications contractor insurance across all 50 states — with the Workers' Comp expertise to make sure you're compliant wherever you work.
Cable installer liability insurance is built around General Liability (GL) coverage — the single most important policy for any cable contractor working as an ISP subcontractor. Here is what the policies typically cost and cover.
Most ISP and cable-company subcontract agreements require $1M per occurrence / $2M aggregate at minimum, with the ISP listed as Additional Insured on your General Liability and Commercial Auto. Larger commercial and hyperscaler scopes are pushing limits to $2M / $4M with $5M+ umbrella requirements.
Typical 2026 premium ranges we see for telecommunications contractor liability insurance:
Actual cost depends on your state, payroll, revenue, prior claims, and the limits your primes require. Get a personalized quote in under a minute — request a quote or use the form at the top of this page.
If your crews place aerial or buried outside plant (OSP) cable — not just install drops into homes — you are a cable layer contractor. Cable layer insurance is the same core program with critical adjustments for OSP-specific exposures.
Telecom and data cabling crews placing aerial or buried OSP fiber work in environments that residential installers don’t typically face: directional drilling, trenching, joint-use poles, traffic-control zones, NCDOT or DOT right-of-way permits, and underground utility strikes. The insurance program has to match those exposures.
Common cable layer policy adjustments we make:
Read more on what GC primes require: The 7 COI endorsements fiber subs need for GC pre-qualification.
Communication equipment installation insurance covers contractors who install broadband and signal equipment — ONTs, modems, routers, signal amplifiers, MDU broadband gear, smart-home devices, point-of-entry boxes, and similar customer-premises equipment.
The core coverage is the same as residential cable installer insurance: General Liability, Workers’ Compensation, Commercial Auto, and Inland Marine. What changes is the way primes evaluate your COI — equipment installation has a higher risk of damage to the customer’s electronics, network gear, or property, so primes will look closely at your GL limits and your additional-insured endorsement scope.
We write communication equipment installation insurance for installers serving:
Whether you call yourself an “installer” or a “communication equipment technician,” we have the policies for you. Request a quote.
Common questions from cable and telecom installers getting insured for the first time or looking to switch carriers.
Cable installers typically need General Liability ($1M/$2M), Workers' Compensation (required by most states and all ISP agreements), Commercial Auto ($1M CSL), and an Umbrella for larger contracts. If working as an ISP subcontractor, you'll also need to provide COIs naming the ISP as Additional Insured.
Most states require Workers' Compensation for employers with one or more employees. Even as a sole proprietor doing cable installation subcontract work, most ISP and cable company agreements require you to carry Workers' Comp. We make sure your coverage is compliant in your specific state.
A full package (GL + Workers' Comp + Auto + Umbrella) for a small cable crew typically runs $3,000–$8,000/year depending on your state, payroll, and revenue. Solo cable techs with no employees can often get started with GL only for $1,500–$3,000/year. Submit a quote for your specific situation.
Yes. We issue Additional Insured COIs the same business day for AT&T, Comcast, Spectrum, Charter, Cox, Frontier, Brightspeed, Lumen, and other ISPs and cable companies. We know the correct entity names and AI endorsement language each company requires.
No. Personal auto insurance policies exclude business use. If you're driving your van for cable installation work and get in an accident, your personal policy won't cover it. You need Commercial Auto insurance to cover vehicles used for business purposes.
Telecommunications liability insurance is General Liability coverage written specifically for telecom and data cabling contractors. It covers third-party property damage and bodily injury arising out of your installation work — accidental drywall damage, dropped equipment on a customer’s vehicle, trip-and-fall injuries on a job site. Most ISP and cable-company subcontract agreements require $1M per occurrence / $2M aggregate at minimum, with the ISP named as Additional Insured.
Telecom and data cabling crews (placing aerial or buried OSP fiber) and CPE / equipment install crews (installing inside homes and businesses) need the same core coverage, but OSP-side telecom contractors need higher GL limits, confirmation of no underground utility strike exclusion, Contractor’s Pollution Liability for trenching and directional drilling, and inland marine for splicers and locator gear. CPE-side crews focus more on equipment coverage and per-job additional insured endorsements.
Communication equipment installation insurance covers contractors who install broadband equipment — ONTs, modems, routers, signal amplifiers, MDU broadband equipment, point-of-entry boxes, and similar gear. It is the same core coverage as a standard telecommunications contractor insurance program: General Liability, Workers’ Comp, Commercial Auto, and inland marine for the equipment and tools you carry. We write it nationwide for both solo techs and crews.
No-obligation quotes for cable and telecom installers — prompt COI service, A-rated carriers, all 50 states.
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IMPORTANT DISCLOSURES: FiberContractorInsurance.com is a lead generation website operated by a licensed insurance brokerage. Not an insurance company. Submission does not bind coverage or guarantee pricing.
Insurance products and availability vary by state. Coverage requirements for telecommunications subcontractors vary by ISP and contract type. All ISP and cable company names referenced are trademarks of their respective owners. FiberContractorInsurance.com is not affiliated with or endorsed by any ISP or cable company.