Business Owners Policy (BOP) for tower and telecom contractors
Combined property and liability package for small tower contractors
Overview
A business owners policy bundles commercial property insurance and general liability into a single policy, often at a lower premium than purchasing each separately. For small tower contractors — particularly those with fewer than 10 employees or under $1M in revenue — a BOP can provide foundational coverage. However, standard BOPs typically exclude work at height and contractor operations, requiring significant endorsements to be useful for tower work.
Why it matters for tower work
Small and startup tower contractors are drawn to BOPs for their simplicity and cost efficiency. The danger is that a standard BOP was designed for low-risk businesses like offices and retail. Tower work requires endorsements for work at height, completed operations, and contractor-specific exposures that many BOP carriers will not add. A BOP without these endorsements provides a false sense of coverage.
MSA relevance
A standard BOP will not satisfy MSA requirements for tower work. MSAs require standalone GL with specific limits, additional insured endorsements, and no height exclusions — none of which are standard BOP features. Contractors relying solely on a BOP will fail MSA compliance review and be unable to accept turf vendor or carrier work.
Review your business owners policy (bop) coverage
Find out if your current business owners policy (bop) meets MSA requirements for your work type.
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