Tower Maintenance & Inspection insurance in Missouri
Tower maintenance and inspection crews in Missouri climb existing structures to service antennas, lighting, and equipment — often on aging infrastructure with unknown conditions. Kansas City and St. Louis metro wireless markets. In Missouri, workers compensation is mandatory for employers.
Workers Compensation in Missouri
Mandatory
Required for employers with 5+ employees in construction.
Licensing Requirements
No state telecom-specific license.
Key Exposures
- Falls from height on existing structures
- Structural deficiency on aging towers
- RF exposure from active antennas
- Weather exposure (lightning, wind)
- Electrical contact
- Solo/remote work locations
Typical Coverage Program
- GL without height exclusion
- Workers comp (tower class codes)
- Umbrella to $5M
- Inland marine (test equipment, tools)
- Commercial auto
- Occupational accident (for 1099 climbers)
Market Context
Kansas City and St. Louis metro wireless markets.
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