Hamburger icon


  • Business insurance

    • Business Insurance FAQs

    By Business

  • Certificate of Insurance
  • Claims
  • Resources

  • Help
Telephone iconCall Us(844) 654-7272
Our opening hours

Utility Contractor Insurance

Tailored Protection for Your Utility Contractor Business

Get Your Quote

Simply Business is pleased to provide tailored insurance options from:

Utility Contractor Insurance That’s Made Just for You

After going through many different training requirements and examinations, you’ve successfully opened your utility contractor business. While you may be an expert in areas such as water, sewage, oil, and gas, one thing you may not be an expert in is small business insurance.

At Simply Business, we can provide insurance coverage for utility contractors that’s as unique as your business. This coverage can help protect you from common risks so you can continue delivering great service and work.

What Insurance Do Utility Contractors Need?

Utility contractors are exposed to a number of everyday risks, especially depending on the area of your expertise. Since you’re working on anything from a client’s sewage system to pipelines and electricity, there’s potential for accidents and property damage. Plus, if an employee gets hurt on the job, that could potentially leave your business exposed to lawsuits and medical claims.

Get your quote

Need more detail? Read our FAQs:

  • What is Business Insurance?
  • What is General Liability Insurance?
  • What is Professional Liability Insurance?
  • More business insurance FAQs

Coverage Type

  • Small Business Insurance
  • General Liability Insurance
  • Professional Liability Insurance
  • Self-Employed Business Insurance
  • Contractors Insurance

Tools icon

General Liability Insurance for Utility Contractors

General liability insurance — also known as commercial general liability (CGL) insurance — covers costs associated with third-party accidents, property damage, and client lawsuits. Without this type of coverage, your utility contractor business may be held responsible for these costs. That’s why we recommend that utility contractors carry general liability insurance, as it can provide much-needed protection.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your own property
  • Professional services
  • Workers’ compensation or injury to your employees
  • And more

Learn more about General Liability Insurance.

Umbrella icon

Professional Liability Insurance for Utility Contractors

Professional liability insurance — also known as errors and omissions insurance (E&O insurance) — provides coverage in the event a customer accuses your utility contractor business of negligence. If your customer sues your business for mistakes related to your work, your professional liability insurance may cover resulting damages and legal costs.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Patents and trade secrets
  • And more

Broken leg icon

Workers Compensation Insurance for Utility Contractors

If an employee gets sick or injured while working for you, workers compensation - also known as employers liability insurance - can provide your business with financial protection. Most states require businesses to carry this policy when you hire your first employee, so be sure to add it to your coverage if you have a team.

Here’s how workers compensation insurance works: If an employee gets injured on the job, this insurance can cover medical costs and lost wages. Carrying workers compensation can provide much-needed security, as having this coverage in place prevents an employee from suing your business for workplace injuries.

Receipt icon

How Much Does Utility Contractors Insurance Cost?

While there’s no one answer for how much insurance for utility contractors costs, you can get an estimate for what you may pay based on:

  • The number of employees and subcontractors who work for you
  • Your business location
  • The type of services you provide
  • And more

Want to find out how much your utility contractor insurance may cost?

Click here to answer a few questions so we can help you learn how much you can expect to pay for your utility contractor insurance coverage.

Businesses We Insure

  • Builders Insurance
  • Carpenters Insurance
  • Commercial Contractor Insurance
  • Contractors Insurance
  • Debris Removal Insurance

Other Businesses We Insure

  • Debris Removal Insurance
  • Glazier Insurance
  • Steel Erectors Insurance
  • Subcontractors Insurance
Chevron right icon
Business Insurance
Chevron right icon
Tailored Business Insurance
Chevron right icon
Utility Contractor Insurance

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.