Telecommunications Insurance

small business owner protected by telecommunications insurance

Telecommunications Insurance That Works for You

In an industry where change is constant, it’s crucial to protect your telecom business from unexpected claims.
 
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small business owner protected by telecommunications insurance

What Is Telecommunications Insurance?

Telecommunications insurance is another name for small business insurance. It’s a package of business insurance coverages designed to help protect your business from the unique risks you face, like property damage or data loss. 
 

Why Do You Need Insurance for a Telecommunications Business?

Business insurance is more than just financial protection. It’s a strategic asset that can help you grow your small business confidently.
 
Businesses in the telecommunications industry need insurance to help protect physical and financial property. Your business could face a range of risks, from cyber threats and employee injuries to equipment breakdowns and customer lawsuits. With the right coverage in place, you can focus more on making your next big move without fear of a catastrophic loss.
small business protected by insurance for telecommunications companies

Who May Need Telecommunications Insurance?

  • DSL and fiber-optic internet providers
  • Cable TV operators
  • Mobile phone carriers
  • Wireless internet service providers
  • Satellite phone and internet providers
  • Radio broadcasting
  • Television broadcasting

What Type of Insurance Do I Need for a Telecommunications Business?

Most businesses start with a Business Owner’s Policy (BOP) as part of their insurance plan. A BOP helps protect your business much like a homeowners policy helps protect your home.
 
A BOP combines three essential coverages to help save you money while protecting the communications business you’ve worked so hard to build.
 
  1. General Liability helps protect you from lawsuits if someone claims your business caused an injury or property damage. It can even help cover certain claims of slander or libel. However, business liability does not cover claims arising from the professional services you provide. A professional liability policy would cover you for those claims.
  2. Commercial Property coverage helps protect the place where you do business. It also helps protect your tools, including computers and installation equipment. Commercial property insurance applies to your property, whether you own or rent it.
  3. Business Income coverage can help cover the loss of income if you have to close your business temporarily because of covered property damage. This could include damage from a fire that keeps you from opening for several weeks.

Bundle Telecommunication Insurance Coverage

It’s easy to bundle important coverages and increase your telecommunications insurance protection at an affordable price with The Hartford’s Stretch® endorsements. For telecommunications businesses like yours, we offer:
 
  • Technology and Software Providers Stretch
  • Super Stretch for Technology and Software Providers
  • Super Stretch for Business Services
Contact an agent from The Hartford about these cost-effective telecom insurance solutions today. We’ll help take the guesswork out of selecting the right coverage for your business.
 
Find out more about other technology professions we insure:
 

How Much Does Telecommunications Insurance Cost?

On average, The Hartford’s telecommunications business customers paid about $1,413 a year, or $118 a month, for a Business Owner’s Policy (BOP).**
 
Keep in mind that insurance costs vary because every business has unique needs. Insurers also use different factors to determine your rates. The best way to find out how much electronics insurance will cost is to get a quote.
business protected by telecom insurance

Proof of Insurance When You Need It

Get proof of insurance anytime. We’ve made it easy for you to get your certificate online.

Covering Your Operations

Protecting your business with the right insurance helps you stay resilient against risks like service outages or a cyberattack. Without coverage, even a small disruption could pause your operations.
In 2024, there were 3,059 data breach incidents with small and midsize businesses.1
Business Income for Off-Premises Utility Services Coverage (OPUS) for telecommunications companies

Business Income for Off-Premises Utility Services Coverage (OPUS)

“A storm knocked out the power and internet in our area. Luckily, our equipment is fine, but it caused us to halt all operations for a few days until power was restored.”
 
OPUS coverage from The Hartford starts as early as 12 hours from the moment services stopped. This is sooner than most other insurance companies.
cyber insurance for telecommunications companies

Cyber Insurance

“Our payment system got hacked, and the hacker stole our customers’ banking information.”
 
Telecommunications businesses keep sensitive employee and customer information. If this information gets lost or stolen, data breach coverage helps pay the costs of response, data recovery, legal fees and potential liability claims. 

Taking Care of Your Team

Your team is an essential part of your telecom business’ success. If they are injured or become ill from their job, business insurance can help them recover and return to work.
There were 2.6 million nonfatal workplace injuries and illnesses in 2023.2
workers' compensation insurance for telecom businesses

Workers’ Compensation Insurance

“One of our technicians was lifting heavy equipment into the truck when he injured his back. He needed surgery and time off from work to recover.”
 
Workers’ compensation insurance gives your employees benefits to help them recover from work-related injuries or illnesses. Most states require businesses with employees to carry this coverage.
Hired and Non-Owned Auto Insurance for telecom businesses

Hired and Non-Owned Auto Insurance

“I sent my employee out in his personal car to meet with a client for me. Unfortunately, he got into a car accident on the way. The other driver sued for the damages to their vehicle.”
 
Hired and non-owned auto insurance offers lawsuit liability coverage if you or your employees are involved in an accident while driving a rented, leased or borrowed vehicle, or when your employee is using their personal vehicle for business purposes.

Protecting Your Property

You rely on your business’ equipment and property to operate successfully. If there’s a theft or accidental damage, telecommunications insurance can help pay for repairs or replacement.
On average, a fire department responded to a fire somewhere in the U.S. every 23 seconds in 2023.3
Commercial Property Insurance for telecom businesses

Commercial Property Insurance

“I was alerted by my security system that someone broke into our office space after hours. The intruder stole our expensive computer equipment and damaged our front door.”
 
Commercial property insurance can help cover the costs to repair or replace damaged or stolen tools, equipment and inventory you use to operate. It can also help protect your owned or rented building. 
electronic data coverage for telecom businesses

Electronic Data Coverage

“My company’s important electronic data was corrupted by a virus, and we couldn’t restore it.”
 
Every telecommunications business relies on technology to get the job done. If a virus corrupts your business’ records, for example, electronic data coverage can help pay to replace lost data.

Telecommunications Insurance Made for Your Business

We are an insurer with over 200 years of experience protecting businesses like yours. So we understand that every telecommunications company in this industry is unique and faces specific challenges. Our specialists are here to help you get the right protection plan in place. If you need help with a claim, you’ll want to partner with an insurer known for exceptional customer service, so you can have peace of mind when unexpected events happen.
 
Learn about other professions The Hartford can help protect:
 

Frequently Asked Questions About Telecommunications Insurance

Telecommunications insurance helps protect your business from the unique risks your industry faces. Without this type of business insurance, you’ll likely have to pay for costly claims out of your own pocket.
Telecommunications insurance is a package of business insurance coverages designed to help protect your business from liability claims and property damage or theft. It can also help cover your lost income if you must close temporarily due to covered property damage.
The best way to get business insurance is to get a quote online from The Hartford.

For Larger Firms

Larger telecommunications firms typically require specialized insurance coverage.
Learn About Insurance Needs
 
 
Last Updated: September 15, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
1 Verizon, “2025 Data Breach Investigations Report: Small- and Medium-Sized Business Snapshot”
 
2 U.S. Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2023”
 
3 National Fire Prevention Association, “Fire Loss in the United States”
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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