How do tower contractor insurance claims typically get resolved?

Tower contractor insurance claims follow different paths depending on type. Workers compensation claims: The carrier assigns an adjuster who manages medical treatment, temporary disability payments, and return-to-work planning. Most WC claims resolve through medical treatment and return to work, but serious injuries (spinal, TBI, fatality) become litigated and may settle for six or seven figures. The exclusive remedy bar prevents the employee from suing you directly. General liability claims: Third-party claims (tower owner damage, public injury from dropped objects) are investigated by the GL carrier's claims team. They evaluate coverage, liability, and damages. Resolution ranges from quick payment for clear small claims to multi-year litigation for serious injuries involving multiple parties. Tower GL claims often involve multiple defendants (contractor, tower owner, turf vendor, GC) with cross-claims and indemnification disputes. Umbrella claims: Triggered only when underlying limits are exhausted. The umbrella carrier monitors large claims from inception and takes over defense once the primary limit is reached. For tower fatality claims where the wrongful death demand exceeds $1M, the umbrella carrier is typically involved from early stages. Timeline: Simple property damage may resolve in months. Serious injury or fatality claims typically take 2-5 years to resolve through settlement or trial.