Coverage comparisons

Side-by-side analysis of coverage options relevant to tower and telecom contractors.

Occurrence vs Claims-Made

Two fundamentally different policy triggers that determine when coverage applies. The choice affects long-tail exposure for tower contractors whose structural work must perform safely for decades after installation.

Occurrence Form vs Claims-Made Form

Admitted vs E&S for Tower Risks

Admitted carriers operate under state rate and form regulation with guaranty fund protection, while excess and surplus (E&S) carriers operate outside those constraints. Tower contractors often face limited options in the admitted market due to the hazardous nature of their work.

Admitted Market vs E&S (Surplus Lines) Market

Occupational Accident vs Workers Comp

A comparison of coverage options for tower climbers classified as independent contractors versus W-2 employees. The distinction carries significant legal, financial, and compliance implications for telecom contractors.

Occupational Accident Policy vs Workers Compensation

Blanket vs Scheduled Additional Insured

Whether to add each additional insured by name on a scheduled endorsement or use a blanket form that automatically covers any party required by written contract. The decision impacts administrative burden, coverage certainty, and certificate issuance speed.

Blanket Additional Insured vs Scheduled Additional Insured

Per-Project vs Shared Aggregate

Whether the policy's general aggregate limit applies once across all projects or resets independently for each job site. This decision is critical for tower contractors running multiple concurrent builds where a single catastrophic loss could consume the entire annual aggregate.

Per-Project Aggregate vs Shared (Policy-Wide) Aggregate

Owned vs Leased Equipment Coverage

Tower contractors rely on cranes, gin poles, cable pullers, and specialized rigging worth hundreds of thousands of dollars. The coverage structure differs fundamentally depending on whether equipment is owned outright or leased from a rental house.

Owned Equipment (Inland Marine / Contractors Equipment) vs Leased Equipment (Rental Coverage)