COMMERCIAL INSURANCE
for UTILITY COMPANIES
ELITE PARTNERS INSURANCE GROUP
Comprehensive Protection for Public Utilities & Utility Contractors
Utility Company Insurance is designed to protect public utilities and utility contractors from the complex risks involved in power, water, gas, telecom, and infrastructure operations. From job-site hazards and environmental exposure to fleet risks and regulatory requirements, these businesses face unique liabilities every day.
At Elite Partners Insurance Group, we provide customized insurance programs for utility companies that help safeguard your workforce, assets, contracts, and reputation—so your operations remain compliant, resilient, and contract-ready.
If your business maintains infrastructure, operates fleets, employs field crews, or works under municipal or commercial contracts, specialized insurance isn’t optional—it’s critical.
ELITE PARTNERS INSURANCE GROUP
Who Needs UTILITY COMPANY Insurance
This coverage is critical for:
Electric, gas, water, & wastewater utilities
Telecommunications & broadband providers
Utility contractors & subcontractors
Infrastructure maintenance & repair companies
Public & private utility service providers
Businesses working under municipal, state, or federal utility contracts
Available in 47 states (not licensed in Hawaii, Alaska, or Delaware)
ELITE PARTNERS INSURANCE GROUP
TYPES OF INSURANCE POLICIES WE WRITE FOR UTILITY COMPANIES
Commercial General Liability (CGL)
Protects against third-party bodily injury, property damage, and personal injury claims arising from utility operations or job-site work.
Commercial Auto (Fleet Insurance)
Covers company-owned vehicles, trucks, and specialized utility fleets for accidents, liability, and physical damage.
WORKERS' COMPENSATION
Provides medical care and wage replacement for employees injured on the job, ensuring compliance with state labor laws.
UMBRELLA / EXCESS LIABILITY
Adds additional liability limits above primary policies to protect against catastrophic claims and large lawsuits.
Professional Liability (Errors & Omissions)
Covers claims related to design errors, engineering services, consulting work, or failure to meet professional standards.
Commercial PROPERTY INSURANCE
Covers buildings, substations, offices, warehouses, tools, and equipment against fire, theft, vandalism, and weather-related losses.
Inland Marine (Tools & Equipment Coverage)
Protects mobile equipment, contractor tools, and specialized utility machinery while in transit or at job sites.
Pollution Liability (Environmental Insurance)
Provides coverage for environmental damage, contamination, cleanup costs, and pollution-related claims—critical for utility operations.
Cyber Liability Insurance
Protects against data breaches, ransomware, and cyberattacks involving billing systems, customer data, and operational technology.
Employment Practices Liability (EPLI)
Covers claims related to wrongful termination, discrimination, harassment, and employment-related disputes.
ADDITIONAL OPTIONAL INSURANCE POLICIES WE OFFER
Hired & Non-Owned Auto Liability (HNOA)
Protects your business when employees drive rental, leased, or personal vehicles for company work. HNOA coverage fills gaps in liability insurance, ensuring third-party claims are covered even when your fleet isn’t involved.
Additional Insured / Waiver of Subrogation (Contract Requirements)
Many contracts require your clients or partners to be added as Additional Insureds or to waive subrogation rights. This coverage ensures compliance, reduces exposure, and strengthens your ability to secure and maintain contracts.
Primary & Non-Contributory Wording
This policy language clarifies that your coverage takes precedence and does not rely on the other party’s insurance. It protects your business from coverage disputes and helps meet strict contract requirements.
Builders Risk (Project-Based)
Covers construction projects, materials, and temporary structures against fire, theft, vandalism, and weather-related damage. Builders Risk insurance safeguards your investment from groundbreaking to completion.
Business Income / Extra ExpENSE
Helps replace lost income and covers additional operational expenses if your business is temporarily disrupted by a covered loss. This coverage keeps your operations running and helps maintain client commitments during downtime.
Why Utility Company Insurance Is Essential
Utility companies operate in high-risk environments with strict regulatory oversight. Without proper coverage, a single incident can result in significant financial loss. Common exposures include:
- Workplace injuries involving heavy equipment and hazardous environments
- Vehicle accidents involving utility fleets
- Environmental contamination or pollution events
- Damage to public or private infrastructure
- Cyberattacks targeting billing systems and customer data
- Contractual insurance and bonding requirements
Proper insurance protects your operations, ensures regulatory compliance, and strengthens your ability to secure and maintain contracts.
What Utility Company Insurance Does Not Cover
Understanding exclusions helps avoid costly gaps in coverage:
- Intentional acts or criminal behavior
- Auto accidents without commercial auto coverage
- Pollution events not covered under environmental liability
- Professional services outside the scope of E&O policies
- Cyber incidents without cyber liability insurance
We structure comprehensive insurance programs that close gaps and align with the real-world risks utility companies face.
Why Utility Company Insurance Is Often Set Up Incorrectly
Many utility companies encounter issues because:
1.
Policies don’t reflect the full scope of operations
2.
Fleet and mobile equipment are underinsured
3.
Environmental and pollution exposures are overlooked
4.
Liability limits don’t meet contract or municipal requirements
5.
Cyber and employment risks are ignored
At Elite Partners Insurance Group, we design insurance solutions specifically for utility companies—built to withstand audits, satisfy contracts, and perform when claims happen.

ELITE PARTNERS INSURANCE GROUP
Stop overpaying for UTILITY company
Insurance
If you operate a utility, municipal service, or infrastructure-based business, there’s a good chance you’re paying for coverage that doesn’t fit your risks—or missing protection where it matters most. Elite Partners Insurance Group helps utility companies secure smarter coverage, with policies designed for your operations and pricing that aligns with your budget.
We shop the market, eliminate unnecessary costs, and set up your coverage quickly—so you can reduce expenses, meet regulatory requirements, and keep your services running without interruption.
Serving 47 U.S. states.
Not Available in Hawaii, Alaska, or Delaware
A Commercial Insurance Partner—Not Just Another Agent
Why Choose Elite Partners Insurance Group
Elite Partners Insurance Group specializes in insurance solutions designed for utility companies and infrastructure-based operations. No one-size-fits-all policies—just coverage built to protect your assets, meet regulatory requirements, and control costs.
Fast, competitive insurance quotes with quick turnaround times
Plain-language explanations—no insurance jargon
Policies structured to meet utility regulations, municipal requirements, and contract obligations
Strong relationships with factoring companies, finance companies, and fuel card providers
Real customer service before, during, and after the policy is written
OUR GUARANTEE
Every commercial insurance policy we sell is true to fit—no gaps, no wasted coverage, and no surprises when it matters most.