Fiber Optic Splicing Business Insurance Requirements You Must Know

Nate Jones, CPCU, ARM, CLCS, AU
2 days ago
2 min read

Fiber optic splicing businesses operate in highly regulated and contract-driven environments. Whether you’re working on commercial buildings, municipal infrastructure, or telecom networks, insurance requirements are not optional. Failing to meet them can delay projects, void contracts, or expose your business to serious financial risk.

Below are the key insurance requirements every fiber optic splicing business must understand before taking on work.

1. General Liability Insurance Is Almost Always Required

Most clients, property owners, and telecom providers require general liability insurance before allowing fiber optic contractors on-site. This coverage protects against third-party bodily injury and property damage claims.

Typical requirements include:

Minimum liability limits stated in contracts
Proof of coverage before work begins
Certificates of insurance issued to clients

Without general liability insurance, many fiber optic splicing businesses are unable to bid on or start projects.

2. Workers’ Compensation Insurance for Employees

If your business has employees, workers’ compensation insurance is legally required in most states. This coverage protects workers injured on the job and shields employers from lawsuits related to workplace injuries.

Requirements often include:

Coverage based on payroll size
State-specific policy compliance
Proof of active coverage during audits or inspections

Even small fiber optic teams must comply if they employ technicians.

3. Commercial Auto Insurance for Work Vehicles

Using vehicles to transport tools, fiber cable, and equipment creates additional liability. Many states and contracts require commercial auto insurance for vehicles used in business operations.

Common requirements:

Liability limits higher than personal auto policies
Coverage for company-owned or leased vehicles
Driver eligibility and record verification

Personal auto policies usually do not meet these requirements.

4. Proof of Insurance and Additional Insured Endorsements

Many fiber optic contracts require:

Certificates of insurance (COIs)
Additional insured endorsements naming the client or project owner
Waivers of subrogation

These are not separate policies but policy requirements that must be built into your insurance program.

5. Professional Liability Requirements for Certain Projects

Some fiber optic splicing contracts—especially those involving network design, testing, or system performance—require professional liability (errors & omissions) insurance.

This requirement is common in: