Utility Contractor Insurance
Utility contractors install and repair the underground and overhead infrastructure that entire communities depend on. The work spans public right-of-ways, energized lines, and pressurized pipes, where a single failure can disrupt service for thousands and trigger high-dollar claims.
Exposures that demand a strategy
Before recommending coverage, we map the specific exposures that threaten your operation. For utility contractor insurance, those typically include:
A program built around your operation
With access to more than 100 highly rated carriers and specialty programs, we assemble the right combination of coverages rather than a one-size-fits-all policy.
Commercial General Liability
Protects against third-party bodily injury and property damage claims arising from your premises and operations, including legal defense costs.
Underground / Utility Liability
Covers damage to existing utilities and infrastructure during the work.
Contractors' Equipment
Protects trenchers, borers, bucket trucks, and other specialized machinery.
Workers' Compensation
Pays medical bills and lost wages for employees injured on the job and shields you from related employee lawsuits.
Commercial Umbrella / Excess Liability
Adds an extra layer of liability limits above your underlying policies to protect against catastrophic claims and large lawsuits.
Who this is for
Contractors installing and maintaining water, sewer, gas, electric, and telecom infrastructure.
Sherlock Insurance Group understands the complexities of directional drilling, underground utility work, and the detailed insurance requirements imposed by general contractors and municipalities. Their team consistently delivers fast, accurate certificates and outstanding service, helping us keep our crews working and our projects on schedule.
Let's build the right program for your business
Strategy that knows your business. Tell us about your operation and we'll design coverage that fits your real exposures and budget.