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Why do telecom companies and cable installers need insurance?
Telecom work is demanding, and one accident or lawsuit can make it even harder. Business insurance guards against unexpected losses and expenses from employee injuries, damage caused by an installer, and other risks.
Find affordable coverage
Insureon helps you compare telecommunications insurance quotes from top-rated providers.
Fill out our easy online application to get free quotes for liability and property coverage. Our licensed insurance agents will make sure you get the right coverage at the best possible price.
What types of insurance do telecom cabling installers need?
These policies cover common risks in the telecommunications industry.
Technology errors and omissions insurance
Technology E&O, also called professional liability insurance, pays for legal expenses related to work quality, such as a lawsuit over disrupted services. You can often add intellectual property and media liability coverage.
BEST FOR
- Missed installation deadlines
- Accusations of negligence
- Telecom outages
Cyber insurance
This policy is important for telecom companies that store sensitive customer data. It helps cover costs related to data breaches and cyberattacks.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Data breach investigations
General liability insurance
This policy covers basic telecom business risks, such as a client tripping over a wire. Bundle with commercial property insurance for savings in a business owner’s policy (BOP).
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel and slander lawsuits
Fidelity bonds
Fidelity bonds are also called employee dishonesty bonds. They compensate a telecom company's clients if an employee steals from them, and are often required by contracts.
BEST FOR
- Employee fraud
- Unauthorized funds transfer
- Other employee theft
Workers’ compensation insurance
Most states require workers' comp for telecom businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from work-related injuries
Commercial auto insurance
Commercial auto insurance covers property damage and legal expenses in an accident involving a telecom vehicle. It can also cover vehicle damage and theft.
BEST FOR
- Business auto accidents
- Vehicle vandalism and theft
- Weather damage
Looking for different coverage? See more policies.
How much does insurance cost for technology companies?
A telecom company with a few workers will pay less for insurance than a large company with a dozen employees.
Factors that affect premiums include:
- Services offered, such as cable installation
- Business property
- Business income
- Types of small business insurance purchased
- Insurance policy limits and deductibles
How do I get telecom business insurance?
It's easy to get telecom insurance coverage if you have your company information on hand. Our insurance application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed agents work with top-rated U.S. insurers to find coverage that fits your telecommunications business, whether you work independently or hire employees.
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