COISoftware collects a certificate of insurance from every tower crew, turf vendor and telecom subcontractor you dispatch, reads each ACORD 25 with AI, checks general liability, umbrella, workers compensation and the at height coverage tower work demands, and confirms your carrier or tower entity is named as additional insured. Built for US wireless carriers, tower owners and telecom general contractors. Upload a COI above to see it read in seconds.
Last updated July 2026
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A tower climbing crew, an RF engineer and a fiber vendor carry different risk, so telecom programs require different coverage by scope. These are common starting points, not legal or insurance advice.
| Crew type | Coverage commonly required | Why the program verifies it |
|---|---|---|
| Tower climbing and rigging crews | High general liability with large umbrella, workers compensation, additional insured primary and noncontributory, waiver of subrogation | A fall at height is a catastrophic loss, so their policy must respond first and at high limits |
| RF engineering and site design | General liability, professional liability, umbrella, additional insured | Design and RF errors are a professional exposure general liability does not answer |
| Generator and battery service | General liability, contractors pollution liability, commercial auto, umbrella | On site fuel and battery work creates a spill exposure standard general liability excludes |
| Fiber, small cell and ground crews | General liability, commercial auto, workers compensation, additional insured | Trenching and roadside work carries an auto and general liability exposure even off the tower |
| Turf vendors managing subcontractors | General liability, umbrella, workers compensation, and proof their subcontractors are insured | The prime contracts the work but subcontractor crews do it, so both tiers must be verified |
Set requirements to your own master service agreements and risk tolerance. Coverages shown are common starting points, not legal or insurance advice.
Telecom build and maintenance work is dangerous, decentralized and layered with subcontractors. A carrier or tower owner rarely sends its own crew up a structure; the work flows through turf vendors and their subcontractor climbers, each carrying its own policy. Because a fall or dropped tool at height is a catastrophic loss, tower work requires higher limits and specific coverage that a generic certificate check misses.
Tower climbing is one of the most hazardous jobs in the country, and a single fall drives a claim large enough to exhaust a low limit in one event. Carriers and tower owners require high general liability limits plus a substantial umbrella, and a certificate showing an office grade limit that would pass elsewhere falls short on a tower site.
A carrier hires a turf vendor, the turf vendor hires a subcontractor crew, and the actual climbers may be two tiers down from the entity you contracted with. Verifying that every tier in that chain carries current coverage, not just the prime, is where a spreadsheet loses the thread.
When a climber is injured or a tower is damaged, you want the crew policy to respond first, before yours. That requires an additional insured endorsement written primary and noncontributory, plus a waiver of subrogation. Confirming the exact endorsement forms are attached, not just that a box is checked, is slow and easy to get wrong across many vendors.
RF engineering and site design work carries a professional liability exposure general liability does not answer, generator and battery work creates a pollution exposure, and crews driving to remote sites need commercial auto. Holding each crew to the coverage its scope actually needs is a check a blanket rule cannot make.
A crew cleared six months ago may be climbing on coverage that expired last week. Without automatic renewal tracking, a lapsed COI sits unnoticed until an incident exposes it, and on a tower that gap is the difference between a covered loss and an uninsured catastrophe.
A national build program touches hundreds of sites and dozens of vendors that rotate constantly, and a certificate log kept by hand falls behind the moment crews change. That is where renewals slip and a COI that lapsed weeks ago is still marked green.
The certificate a turf vendor hands over at onboarding is a snapshot from that day, not proof of coverage through a multi site build. Confirming that every crew and every tier bought the right coverage, including the high limits, umbrella and at height, professional and pollution coverage tower work needs, kept it current, and named your carrier or tower entity as additional insured on a primary and noncontributory basis is repetitive, rules based work across a rotating roster. That is exactly what software handles well. Certificate of insurance management software reads every certificate, checks it against each crew requirement, and flags anything short, expired or missing, so your program team is not chasing PDFs before a climber goes up.
COISoftware reads every crew certificate, checks it against the high limits and endorsements tower work requires, confirms additional insured and waiver of subrogation, and gives you one view of insurance compliance across every vendor and every site.
Upload a certificate from a tower crew, turf vendor or telecom subcontractor and the AI pulls the insurer, policy numbers, coverage types, limits, effective and expiration dates and additional insured status, even from scans and phone photos taken in the field.
Set the high general liability and umbrella limits at height work requires, and every certificate is checked against them, so a crew carrying a limit too small for a fall claim is flagged before it is dispatched to a site.
Require professional liability on RF and design work, pollution on generator and battery scopes, and commercial auto for crews driving to remote sites, and each certificate is checked for the coverage that scope actually needs.
See whether your carrier or tower entity is named as additional insured on a primary and noncontributory basis with a waiver of subrogation, so the endorsement your master service agreement requires is verified rather than assumed.
Track the prime turf vendor and the subcontractor crews under it, so coverage is verified all the way down to the climbers actually on the structure, not just the entity on the contract.
When a crew certificate is about to expire, COISoftware chases for a renewed COI automatically, so no climber goes up on coverage that lapsed mid build.
COISoftware reads the ACORD 25 and the broader certificate of liability insurance, then ties every certificate into full certificate of insurance management software and ongoing vendor insurance compliance tracking. When a certificate looks off, the same checks behind certificate of insurance verification flag it for review. Tower and build crews are verified the same way as subcontractor COI tracking for contractors, and telecom general contractors managing multi site programs run it alongside COI tracking for general contractors.
Standing up insurance compliance for a new crew follows the same four steps.
Enter the coverages, limits and endorsements each scope requires, and set the high limits, umbrella and at height requirements tower work needs. Vary the rule so a climbing crew and a ground based fiber vendor each get the right requirement.
Tip: Copy the insurance exhibit straight from your master service agreement so the requirement is tracked from day one.
Request a COI from each turf vendor and its subcontractor crews or upload the certificates you receive. The AI reads every one automatically, so onboarding a national build roster does not turn into weeks of manual data entry.
Each certificate is checked against the requirement for that scope. A short limit, missing umbrella, absent professional or pollution coverage, and a missing additional insured or waiver of subrogation endorsement are flagged before a crew is cleared to climb.
Automated reminders chase any expiring certificate at any site, so coverage stays current across every crew without your program team tracking dates by hand.
Anyone responsible for proving that every crew on a tower or a telecom build carries the coverage the master service agreement requires.
A carrier running a national build needs to know, before a crew is dispatched, that every turf vendor and its subcontractors carry the high limits, umbrella and endorsements the master service agreement requires and name the carrier as additional insured. COISoftware turns each requirement into a live status, so a program manager sees a clear pass or flag instead of chasing certificates across hundreds of sites.
An owner clearing crews onto a structure verifies coverage matched to each scope. The same dashboard tracks certificates by site, and climbing and build crews are verified the same way as subcontractor COI tracking for contractors, while telecom general contractors run it alongside COI tracking for general contractors.
The manager accountable if an uninsured climber is injured is the one who needs proof of coverage on every tier. To collect, verify and monitor every certificate in one place, pair this with vendor insurance compliance software, and if you are comparing platforms, our best COI tracking software roundup walks through the options honestly.
Carriers and tower owners commonly require general liability with a one to five million dollar per occurrence limit plus a large umbrella, because a fall or dropped object at height can drive a catastrophic claim. Climbing crews also carry workers compensation, and nearly every crew must name the carrier or tower entity as additional insured on a primary and noncontributory basis with a waiver of subrogation.
Because a single at height incident can cause a catastrophic injury or a tower collapse, losses that exhaust a low limit in one event. General liability and umbrella limits are sized to that severity rather than to routine property damage, which is why a limit that passes for a ground level vendor usually falls short for a climbing crew.
You verify every tier, not just the prime. A carrier contracts a turf vendor, but subcontractor crews do the climbing, so both the turf vendor and each subcontractor must carry current coverage. COI tracking software holds every tier to its own requirement and shows one status board, so an uninsured crew two tiers down is caught before it climbs.
It depends on scope. RF engineering and site design work carries a professional liability exposure general liability does not cover, generator and battery service creates a pollution exposure, and crews driving to remote sites need commercial auto. Holding each crew to the coverage its specific scope requires closes gaps a single blanket rule leaves open.
The AI reads every certificate as it arrives, checks each against the scope requirement, and shows one live status board across every site and vendor, so onboarding a national roster does not turn into weeks of manual data entry. Renewal reminders then chase any expiring certificate automatically, so coverage stays current through the whole program.
Pricing depends on how many crews and vendors you track and whether you want self serve software or a managed service. COISoftware lists transparent monthly pricing and offers a free tier, so a telecom program can start reading and verifying crew certificates without a sales call. You can test it on your own certificates before paying anything.
