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Home / Industries / Underground electric & fiber

Underground electric & fiber utility contractor insurance

Fiber and underground electric builds move fast, rely heavily on subcontractors, and run through yards, easements and rights-of-way full of other people's utilities. One cut line can mean an outage claim far larger than the repair.

Underground utility crew installing fiber and electric conduit in a trench

Our approach

We build telecom and underground electrical contractor insurance that covers utility strikes and service interruption, manages subcontractor risk, and meets the insurance requirements set by broadband primes and utilities.

Exposures we plan around

  • Utility strikes and resulting service outages
  • Electrical contact injuries
  • Damage to lawns, driveways and irrigation on residential builds
  • Uninsured or underinsured subcontractors
  • Reels, plows, splicing trailers and fusion equipment

Coverage in a typical program

General liabilityUnderground coverage and service interruption
Contractors E&OFor design, staking and as-built work
Inland marineEquipment, reels and materials in transit
Commercial autoCrew trucks, bucket trucks, trailers
Workers' compensationIncluding subcontractor audits
Umbrella & excessLimits for prime and utility contracts

Frequently asked questions

What limits do broadband prime contractors require?

Requirements vary by prime and project, but $1 million per occurrence general liability with a $5 million or larger umbrella is common, along with additional insured and waiver of subrogation endorsements. Send us the subcontract and we will check it.

How should I manage subcontractor insurance?

Collect certificates before work starts, confirm your company is named as additional insured, and track expirations. Uninsured subs can be charged back to you at workers' comp and GL audit.

Is my fiber equipment covered on the job?

Only if it is scheduled on an inland marine or equipment policy. Splicing trailers and fusion splicers are high-value and frequently stolen, so they should be listed individually.

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