Self-Performing General Contractors
Large wireless infrastructure firms that self-perform tower construction, modification, and maintenance while also managing subcontractors, holding direct carrier contracts or master service agreements.
Pain points
- -Total cost of risk across a large, multi-state operation making insurance a top-five expense
- -Balancing self-insured retention levels against cash reserves and risk tolerance
- -Managing subcontractor insurance compliance across hundreds of active subs
- -Carrier program audits requiring proof of consistent insurance maintenance
- -Umbrella capacity constraints as $10M-$25M requirements become standard
- -Integration of acquired companies with different loss histories and programs
- -Coordinating wrap-up programs with project-specific insurance on large builds
- -Board-level scrutiny of risk management program effectiveness
Coverage needs
- +Large-deductible or self-insured workers compensation programs
- +General liability with high aggregates supporting dozens of concurrent projects
- +Umbrella/excess towers of $10M-$25M built with multiple carriers
- +Owners and contractors protective liability (OCP) for subcontractor management
- +Professional liability/E&O for engineering, design, and project management services
- +Pollution liability for decommissioning and environmental site work
- +Directors and officers liability
- +Employment practices liability for large field workforces
MSA concerns
- Carrier MSAs requiring $10M or more in total limits with specific policy structure
- Subcontractor default insurance or contingent coverage for sub failures
- Wrap-up program (OCIP/CCIP) design for large multi-year deployments
- Cross-liability and severability of interest provisions
- Completed operations tail coverage extending 3-5 years post-project
- Cyber liability requirements emerging in carrier MSAs for network-touching work