AT&T is the largest private fiber buildout in U.S. history — targeting 40 million fiber locations by end of 2026 and 60 million by 2030. AT&T is now building in 32 states including Utah, Nevada, Colorado, Washington, Oregon, and 28 more. To work as an AT&T Fiber installation subcontractor, you must carry proper insurance with AT&T named as Additional Insured and be able to produce a compliant COI immediately. We specialize in getting fiber and cable contractors AT&T-ready fast.
AT&T's subcontractor agreements require specific insurance minimums. Here's what you need to be AT&T-compliant and get on their approved vendor list.
AT&T typically requires $1M–$2M per occurrence / $2M–$4M aggregate GL from fiber installation subcontractors. Covers property damage (including to existing infrastructure), bodily injury, and completed operations. AT&T must be named as Additional Insured.
AT&T requires statutory Workers' Comp from all subcontractors. Required in all states where you perform AT&T work. Protects your crew during aerial lashing, underground OSP, splicing, and drop installation.
AT&T requires $1M combined single limit Commercial Auto covering all vehicles used for AT&T work — bucket trucks, splice vans, boring machines, and trailers. AT&T must be named as Additional Insured on auto as well.
For larger AT&T subcontracts — especially OSP builds, ROW work, and multi-county deployments — AT&T commonly requires $3M–$5M umbrella on top of GL. We can issue these limits efficiently.
AT&T subcontractors using expensive fusion splicers, OTDRs, reel trailers, and directional boring equipment need Inland Marine to protect assets between AT&T job sites and in transit.
AT&T's subcontractor agreements require Additional Insured endorsements on GL and Auto policies. We issue AT&T-compliant COIs promptly with the correct AT&T entity name and address for each project.
AT&T is building in 32 states with 8 million new fiber locations planned in 2026 alone. Here are the key markets where AT&T subcontractors are in demand.
AT&T acquired Lumen's mass markets assets in Utah, making Salt Lake City one of AT&T's newest and most active fiber expansion markets. High demand for OSP subcontractors.
Las Vegas and the Clark County metro is part of AT&T's Lumen acquisition territory. Active residential fiber expansion throughout the Las Vegas Valley.
Denver and the Front Range are in AT&T's new expansion territory via the Lumen acquisition. One of the fastest-growing AT&T markets in the Mountain West.
AT&T's Lumen acquisition added major Pacific Northwest markets including Seattle and Portland. Ziply Fiber may also be a Lumen legacy partner in this territory.
AT&T's traditional wireline territory includes major CA, TX, and AZ markets. Aggressive fiber expansion targeting 40M locations by end of 2026.
AT&T now serves 32 states with more being added. Submit a quote request and tell us your state — if AT&T is building there, we'll get you compliant.
We know AT&T's subcontractor requirements inside and out — and we get you compliant fast so you never miss an AT&T contract.
We know exactly what AT&T's subcontractor agreements require — the specific entity name for Additional Insured endorsements, the limit requirements, and how to structure your COI so it passes AT&T's compliance check.
AT&T subcontract opportunities come fast. We get you covered and issue compliant COIs the same business day you apply — so you never miss an AT&T contract over paperwork.
GL, Workers' Comp, Auto, Umbrella, Inland Marine — we handle your full AT&T coverage package from one brokerage so there's no coordination headache.
We specialize in fiber and cable contractors exclusively. We understand OSP work, FTTH drops, aerial lashing, and underground conduit — and we make sure your policy actually covers what you do.
Common questions from fiber contractors looking to get insured and compliant for AT&T subcontract work.
AT&T typically requires: General Liability ($1M–$2M per occurrence / $2M–$4M aggregate), statutory Workers' Compensation, Commercial Auto ($1M CSL), and often a $3M–$5M Umbrella for larger contracts. AT&T must be named as Additional Insured on your GL and auto policies.
Yes. AT&T requires Additional Insured status on both your General Liability and Commercial Auto policies. You'll need to have the exact legal entity name for the AT&T subsidiary or project entity involved. We issue these COIs promptly once we have that information.
Getting on AT&T's approved vendor list requires meeting their insurance minimums, having proper contractor licensing in the state where you'll work, and providing compliant COIs on demand. We help with the insurance piece — getting you compliant, COI-ready, and able to start work fast.
AT&T's subcontractor requirements generally include Workers' Comp even for smaller operators. Even if your state doesn't legally require it for sole proprietors, AT&T's subcontract agreement will typically require it. We advise carrying Workers' Comp for any AT&T work.
A full AT&T-compliant coverage package (GL + Workers' Comp + Auto + Umbrella) for a small fiber crew typically runs $4,000–$12,000/year total depending on your state, payroll, and revenue. Submit a quote for your specific situation — we'll find the most competitive pricing across multiple A-rated carriers.
No-obligation quotes for AT&T Fiber subcontractors — prompt COI with AT&T named as Additional Insured.
Get My AT&T-Compliant QuoteIMPORTANT DISCLOSURES: FiberContractorInsurance.com is a lead generation website operated by a licensed insurance brokerage. This website is not an insurance company and does not issue policies or bind coverage. Submission of a quote request does not constitute an insurance application, a coverage binder, or a guarantee of insurability or pricing. All coverage is subject to underwriting approval by the issuing carrier.
Insurance products and availability vary by state. AT&T subcontractor insurance requirements are subject to change and vary by project, state, and contract type. This site does not constitute legal or contracting advice. AT&T is a registered trademark of AT&T Intellectual Property. FiberContractorInsurance.com is not affiliated with or endorsed by AT&T.