Do different turf vendors have different insurance requirements?

Yes, and the differences can be significant. Each turf vendor sets its own insurance exhibit based on its risk management philosophy and the requirements flowed down from the carrier (AT&T, T-Mobile, Verizon, etc.). Common variations include: umbrella limits ranging from $5M to $25M depending on the vendor and work scope, professional liability required by some but not all, pollution liability required for ground work involving fuel storage or generator maintenance, specific AM Best rating requirements for your carriers, EMR caps ranging from 1.0 (strict) to 1.5 (lenient), and whether they accept blanket additional insured or require scheduled endorsements naming them specifically. Some turf vendors require railroad protective liability for sites near railroad right-of-way. Others require drone liability coverage for crews using UAVs for inspections. The practical impact is that a contractor working under multiple turf vendors simultaneously must carry coverage that satisfies the most stringent requirement across all MSAs. Build your insurance program to the highest common denominator among your active MSAs, and review requirements annually as turf vendors frequently update their exhibits.