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Construction insurance for utility contractors

Utility contractors face many risks – above and below the ground. Whether the work pertains to water, sewer, oil and gas pipeline, power line transmission and distribution, or communication line construction – safety and risk mitigation are critical. Travelers has a team of knowledgeable underwriters, claim professionals and risk control consultants with solid technical backgrounds in this field, providing a valuable resource in helping utility contractors effectively manage their risks.

Product solutions:

  • Commercial general liability including:
    • Electronic data loss due to utility strikes
    • Limited coverage for "damage to property" being worked on
  • Workers Compensation
  • Automobile
  • Umbrella
  • Property
  • Surety
  • Inland marine including:
    • Contractors equipment
    • Builders' Risk and installation
    • Computerized business equipment
    • Equipment breakdown
  • Products available on a surplus lines basis:*
    • Contractors professional liability
    • Contractors pollution liability

Travelers also provides utility contractors with a number of special coverages, including an electronic data liability endorsement, which helps protect contractors for damages related to loss of data arising out of hitting a utility line. Other available coverages include railroad protective, owners and contractors protective, and damage to property endorsement - limited coverage for certain underground property.

With our IndustryEdge® suite of products and services for utility contractors, Travelers also offers the following value-added programs:

Tie or Die® – fall management, which helps our customers identify hazards on their jobsites. We focus on the controls and protective systems that can be used to prevent falls from elevations.

Work Zone Safety Program – offering information on planning and implementing temporary traffic controls.

Crane Training Programs – nationally recognized crane safety, management, operation inspection and maintenance courses as well as multi-day courses that help prepare clients for the National Commission for the Certification of Crane Operators (NCCCO) test.

Fleet Management – Our consultants can help clients address issues regarding driver hiring and how to keep drivers from increasing their auto exposure to more risk. We provide additional training programs and exposure guides.

Crisis Management – This program includes a customized crisis management plan, with a simulation-based training session.

Underground Hit Kits – provided to clients to assist with capturing key information when damage occurs from underground utility strikes.

Safety Academy Classes – on topics of critical importance to utility contractors such as: Rigging, Aerial lifts, Look out Below, Flagger training and more.

Access to Travelers Risk Control website and TravSources® – an extensive portfolio of products and services — providing easy access to a broad range of information that can help address the safety challenges faced by contractors.

Travelers is a member of the Common Ground Alliance and a proud 811 National Launch Partner.

For independent agent or broker inquiries, please contact us.

If you are interested in becoming a Travelers agent, please visit our Become an Agent page.

For further information or to purchase IndustryEdge for Utility Contractors insurance from Travelers, please contact an independent Construction insurance agent, broker or surplus lines broker.

* Coverage is provided on a surplus lines basis by St. Paul Surplus Lines Insurance Company through surplus lines brokers. Surplus lines insurers do not participate in State Guaranty Funds and thus insureds are not protected by such funds. The information on this page is provided for general informational purposes and does not constitute an offer to sell or a solicitation.

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