Utility Contractors Insurance

Safety is our priority

Utility contractors face many risks above and below the ground. Safety and risk mitigation are critical when the work pertains to water, sewer, oil and gas pipelines, power line transmission and distribution, or communication line construction. Travelers has a team of knowledgeable underwriters, Claim professionals and risk control consultants with solid technical backgrounds in utilities, providing a valuable resource in helping you effectively manage risks. 

IndustryEdge® for utility contractors 

Utility contractors have unique risks. Travelers INDUSTRYEdge offers products and insights to help our customers stay ahead of risk by preparing for it. This ultimately helps to reduce loss costs and keep projects running smoothly. Travelers' broad, tailored coverages and enhancements are designed to meet the needs of our customers and based on our deep knowledge of and experience in the construction industry.  

General liability 

Workers compensation 

Auto liability and physical damage 

Umbrella/excess liability 

What kind of contractors is utilities insurance right for?

  • Water, sewer collection and disposal line construction 
  • Overhead power transmission and distribution line contractors 
  • Cable laying construction-contractors, including both underground and overhead work 
  • Conduit construction 
  • Natural gas main construction 

How much does utilities contractors insurance cost?

The cost of insuring your utilities contractor business will depend upon the size of your operation, the type of contracts you take, the specific risks you are exposed to, and coverage amounts and deductibles you choose. Your agent can help review risks and provide a quote for coverage that would best protect your company. 

Related products & solutions

When it comes to insuring your commercial property, Travelers has a number of solutions to help keep your property protected.

Protection for a business’s property that is mobile in nature or requires unique valuation for the construction, transportation, fine art and renewable energy industries.

Our specialized construction underwriters have deep industry knowledge and an ability to provide flexible, innovative solutions.

Provides organizations of all sizes coverage to help protect against losses resulting from data breaches and other fast-evolving cyber exposures.

Broad coverage to protect against pollution liability risks and losses resulting from acts, errors or omissions in the performance of contractor professional services.

Purchased by contractors to protect owners against vicarious liability for ongoing operations performed by, or the owner’s negligent supervision of, the designated “contractor.”

Required of contractors who perform work on or around railroad tracks, railroad right-of-way or owned railroad property.

Travelers can help both individuals and businesses – ranging from small to multinational companies – with their commercial surety needs.

Policies that fit your unique responsibilities and exposures – whether you’re a private, public, nonprofit or financial institution.

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Solutions for small businesses

Travelers offers small business solutions to help you protect and grow your business.


Construction workers in safety gear conferring on work site.


Construction Resources

Construction defect claims can be extremely costly for your construction business. Help prevent construction defects with these tips from Travelers.

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Resources for the Energy Industry

Solar, wind, biopower and other sources in this developing sector can yield energy savings and generate new revenue for businesses, but are not without risks.


Workforce pressure test

Are you doing enough to help your workforce run and grow safely? This 5-minute test can help identify what may be your biggest manufacturing workforce risk.


Insights to help you manage risks at work and on the road

Related services

Travelers risk control construction specialists have the knowledge and the experience to meet your risk control needs and to help you take a proactive approach to safety and accident prevention. 

Construction claims are complex and potentially volatile. That's why Travelers has a specialized construction claim service operation to focus on these unique claims. 

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Find an insurance agent

Get coverage for your unique professional risks.