Legal

# Insurance Information

Certificates are provided on request. Carriers, limits and policy numbers are not published here.

Strilla Communications Company carries insurance coverage suited to outside plant construction work. Certificates of insurance are provided directly on request for prequalification and contract purposes. Any additional insured or other endorsement your agreement requires is confirmed in writing for that contract.

## Why a contractor's insurance is your concern

Outside plant construction carries real risk. Crews work in road right of way, near energized conductors and above buried utilities that can cause serious harm if struck. Work happens on property that usually belongs to somebody other than the contractor.

When something goes wrong, insurance decides whether the consequence stays with the contractor. Without it, the consequence can shift to the property owner, the general contractor or the utility. That is why procurement teams ask for certificates before work starts rather than after.

## Coverage types relevant to this work

The coverages below are the ones typically relevant to outside plant construction. Which ones apply to a given project depends on the scope and on your contract requirements. The table further down this page sums up what each one responds to.

- General liability, covering third party bodily injury and property damage from operations
- Workers compensation, covering injury to employees and limiting your exposure for injuries to the contractor's crew
- Commercial automobile, covering vehicles traveling to and from the work site and working on it
- Excess or umbrella liability, where a project requires limits above the underlying policies
- Additional coverages where a specific contract requires them, arranged on request

## What each one actually protects you from

General liability responds when operations damage property or injure someone who is not an employee. In outside plant work, the most common realistic case is damage to an existing utility or to nearby private property during construction.

Workers compensation matters to you directly. Without it, an injury to a contractor's employee on your property or project can become your exposure. This is the coverage procurement teams check most carefully, and rightly so. Florida law requires most construction employers to carry it. The employee threshold is lower for construction than for other industries.

Commercial automobile matters because equipment and crews travel to the site constantly. Much of the work also happens beside live traffic.

## Our coverage details

Carriers: named on the certificate of insurance, which is provided on request and in prequalification packages.

Coverage limits: stated on the certificate of insurance and confirmed against your contract requirements on request.

Policy numbers and policy periods: shown on the certificate of insurance issued for your project.

These are not published on this page. They are supplied on a certificate of insurance issued through our insurance provider. That is the document your procurement process should rely on in any case.

## How do I read a certificate of insurance?

A certificate sums up coverage at the moment it is issued. Check four things. The named insured should match the contractor you are hiring, and the policy periods should cover your work dates. The limits should meet your agreement, and the certificate holder should be your organization.

The certificate itself does not grant rights. Additional insured status and waivers of subrogation come from endorsements to the policy. If your agreement requires them, ask for confirmation that the endorsements are in place. Ticked boxes on the certificate are not enough.

## Requesting a certificate

Email hello@strillacommunications.com or call (386) 396-2033. Tell us the entity name to be listed and whether additional insured status is required. Also tell us whether a waiver of subrogation is needed, and any minimum limits your agreement specifies.

With those details up front, the certificate can be issued correctly the first time. Needing a reissue is the most common cause of delay.

## Key takeaways

- Strilla Communications Company supplies certificates of insurance directly on request for prequalification and contract purposes.
- Additional insured status and waivers of subrogation are created by policy endorsements, not by the certificate itself.
- A certificate of insurance shows coverage at the date it was issued and should be refreshed when policies renew.
- Workers compensation is the coverage that keeps an injury to a contractor's employee from becoming the client's exposure.

## Key terms

**Certificate of insurance**: A one page summary, issued through the insurer or its agent, listing a contractor's policies, policy periods and limits as of the issue date. It is evidence of coverage for procurement and contract files. It does not change the policies or grant rights by itself.

**Additional insured**: A party, such as a client or general contractor, added to a contractor's liability policy by endorsement. The policy can then respond on its behalf for claims arising from the contractor's work. The exact wording of the endorsement decides how far that protection reaches.

**Waiver of subrogation**: A policy endorsement in which the insurer agrees not to pursue recovery from a named party after paying a claim. Construction agreements often require it so that losses on site are handled by insurance rather than becoming disputes between the contracting parties.

**Umbrella liability**: Excess coverage that sits above general liability, automobile and employer's liability policies. It pays once their limits are used up. Projects with higher contract limits often require it, because it raises available protection without changing the underlying policies.

*Insurance coverage types relevant to outside plant construction*

| Coverage | What it responds to | Example on a fiber project | Why the client cares |
| --- | --- | --- | --- |
| General liability | Third party injury and property damage from operations | A bore damages a neighboring private irrigation line | The repair cost stays with the contractor's insurer |
| Workers compensation | Injury to the contractor's own employees | A crew member is hurt at a handhole | The injury does not become the client's exposure |
| Commercial automobile | Vehicles and towed equipment on the road and on site | A bucket truck is involved in a collision on the way to site | Road incidents are not left uninsured |
| Umbrella or excess | Losses above the underlying policy limits | A serious incident exceeds the general liability limit | Meets higher contract minimums |

## Related reading

- [Licensing informationHow to request and verify licensing documentation alongside insurance.](https://strillacommunications.com/legal/licensing-information)
- [Licensing and insurance overviewThe documentation Strilla provides for vendor and contract files.](https://strillacommunications.com/about/licensing-and-insurance)
- [Why licensing and insurance matterHow these documents shift risk away from your organization.](https://strillacommunications.com/blog/how-licensing-and-insurance-protect-your-project)
- [Safety practices on siteThe field practices that reduce the chance of a claim in the first place.](https://strillacommunications.com/resources/safety-practices)
- [For general contractorsWhat general contractors typically require from a drilling subcontractor.](https://strillacommunications.com/industries-we-service/general-contractors)
- [Request a bidStart a project and include your insurance requirements in the request.](https://strillacommunications.com/request-a-bid)

## Frequently Asked Questions

**Can you name us as additional insured?**: Additional insured requests are handled through our insurance provider and confirmed in writing for each contract. Tell us the exact entity name to be listed and whether a waiver of subrogation is also needed. The certificate is then requested to match. Supplying the exact wording your contract requires at the start avoids a reissue cycle.

**Why are coverage limits not published on this website?**: Because your procurement process should rely on a certificate of insurance issued through the insurer, not a figure typed on a web page. A published number cannot be verified and may be out of date. It also does not confirm the policy is currently in force. The certificate does all three.

**How quickly can you provide a certificate of insurance?**: Certificates are requested from our insurance provider as soon as your request arrives. Timing depends on that issuing process. The fastest requests include the exact entity name, any additional insured or waiver of subrogation requirement, and the minimum limits in your agreement. Those details produce a certificate that does not need reissuing.

**Why does workers compensation matter to me as the client?**: Because without it, an injury to a contractor's employee on your property or project can become your exposure rather than theirs. That is exactly why procurement teams check this coverage most closely. A contractor who is evasive about it is telling you something important.

**What is a waiver of subrogation?**: An endorsement in which the insurer gives up its right to recover a paid claim from another party. That party is usually the client or general contractor named in the agreement. Many construction contracts require one so that a loss on site does not turn into a claim between the parties. It must be added to the policy, not only noted on a certificate.

**Should we ask subcontractors for certificates too?**: Yes. If any part of the scope is performed by another firm, that firm's coverage matters as much as the prime contractor's. Ask for each certificate before the subcontractor mobilizes. Check the same four items: named insured, policy periods, limits against your agreement, and your organization as certificate holder.

**Does a certificate prove the policy is still active?**: It shows coverage as of the date it was issued. Policies can change or lapse afterward. That is why many procurement teams request a fresh certificate at renewal or for each new contract. If coverage continuity matters on a long project, ask to be listed as certificate holder. Then a current certificate can be supplied when policies renew.

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Source: https://strillacommunications.com/legal/insurance-information