Infrastructure spending is accelerating. Your utility contractor clients are growing, taking on bigger projects, and expanding into new markets. Their insurance needs to keep pace.
Two approaches to coverage
Monoline General Liability – Best for contractors who already have established carriers for auto, workers’ comp, and other lines. They just need robust GL coverage that understands utility work.
All-Lines Packages – Integrates auto liability, property, inland marine, excess liability, and GL under one program. Offers streamlined administration, consistent terms, and eliminates coverage gaps between policies.
Matching coverage to growth
Small operations with straightforward exposures can often work with monoline solutions. But as contractors scale operations, add equipment, expand geographically, or diversify their utility work, an integrated package becomes more valuable.
Example: A regional power line contractor starts with distribution work. As they grow into transmission projects across multiple states with specialized equipment and multi-million dollar contracts, coordinated coverage becomes critical.
Why integration matters
Coverage gaps appear at the intersections between policies. Pollution from underground work, equipment in transit, or additional insured requirements can create problems when coverage comes from multiple uncoordinated sources.
An integrated program prevents carrier finger-pointing on complex claims. When one program covers everything, underwriters already understand how auto exposures relate to GL risks and how property values connect to inland marine schedules.
The UtilityPro solution
UtilityPro offers both monoline GL and comprehensive packages. Contractors can choose what fits their situation:
- Monoline GL to complement existing coverage
- Full package with auto, property, inland marine, excess liability up to $25M
- Specialized protections like wildfire liability
- Coverage for power line, telecommunications, water, sewer, and gas contractors
Key questions for your clients
Is the contractor planning significant growth? Expanding into new utility work or markets? Dealing with multiple renewals and varied policy terms? Experiencing friction between carriers on claims?
If yes, an integrated approach may better support their business strategy.
The bottom line
Infrastructure investment creates opportunity for utility contractors. The right insurance structure supports that growth. Whether monoline or package, the coverage should match the complexity of their operations.
Find out how UtilityPro provides better coverage by design or submit your accounts online today.
Download now: Emergency action plan checklist for utility contractors
