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Underground Utility Contractor Insurance

Our nation’s infrastructure is aging, evolving, and expanding. For underground utility contractors—whether you’re trenching for new lines, replacing aging systems, or using trenchless tech—comprehensive insurance and risk management is essential to protect your people, projects, and reputation.
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Why Choose Horton

At Horton, we don’t just insure contractors—we understand your world. Our Underground Utility Contractor Insurance Program is built for businesses working with municipalities, utilities, developers, and property owners. We tailor coverage based on your risk profile—not generic industry averages—so you get the protection that actually fits how you operate.

Specialized Coverage for Underground Utility Experts

  • Inland Marine Insurance
  • Crime Insurance
  • Property Insurance
  • Premises Liability Insurance
  • Completed operations Insurance
  • Environmental Impairment Liability Insurance

 

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Business Insurance Products

How Our Insurance Program Works for Underground Utility Contractors

Every project comes with hidden challenges—unmarked utilities, trench collapses, equipment theft, and jobsite injuries are just the beginning. We help you identify and address these risks with coverage tailored to the realities of underground utility work. From general liability to workers’ comp and beyond, we’ve got you protected where it matters most. Here’s how it works:

  • We assess your business’s unique needs and provide you with a tailored insurance policy.
  • If you experience an incident, simply contact our claims team and we’ll guide you through the process.
  • We’ll work with you to resolve the issue quickly and efficiently, so you can get back to business.

All Business Insurance Products

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Who We Work With

We proudly support:

  • Union and Non-Union Contractors

  • Large and Small Firms

  • Women-, Minority-, and Veteran-Owned Businesses (WBE, MBE, VBE)

  • Disadvantaged Business Enterprises (DBE)

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Surety Bond Services

Whether you need license, permit, bid, or performance bonds—we’ve got your back with competitive terms and expert support:

  • ERISA Bonds
  • License and Permit Bonds
  • Notary Bonds
  • Highway Permit Bonds
  • Bid Bonds
  • Performance Bonds
  • Payment Bonds

Built on Insight. Backed by Experience.

A Smarter Approach to Risk Management

We Go Beyond the Policy. Horton Helps You:

  • Strengthen safety culture with in-house safety consulting and training

  • Analyze your contracts and manage risk transfer and indemnification

  • Control workers’ comp costs through hiring strategies and CCPAP education

  • Use telematics and fleet management tools to manage vehicle and equipment risks

  • Understand and improve your Experience Mod to meet prequalification standards

Horton Safety Consulting Services for Underground Utility Contractors

Customized Safety Programs for Underground Utility Work

Our consultants design site-specific safety and health plans tailored to water and sewer operations, with a strong focus on trenching, excavation, utility strikes, and heavy equipment hazards. We address high-risk exposures like confined spaces, pedestrian traffic near job zones, and overhead/underground utility conflicts. Each plan is developed to align with OSHA standards and your company’s operational goals.

Competent Person Training & Field Leadership Support

We provide OSHA Subpart P-compliant training for your crews, superintendents, and project foremen. Training includes soil classification, trench protection systems, cave-in prevention, and jobsite hazard recognition. Our goal is to ensure your designated “competent persons” and team leaders are fully prepared to keep your jobsites safe, compliant, and incident-free.

Safety Audits, Incident Investigation & Predictive Analytics

Using the Predictive Solutions platform, we conduct jobsite audits that provide visual documentation and data-driven insights into at-risk conditions or behaviors. In the event of an accident or utility strike, we lead thorough investigations—including root cause analysis and actionable safety recommendations. Every engagement is designed to reduce future incidents and foster a proactive safety culture.

Coverage Areas

Our Insurance Services

One solution for all insurance needs.

We help businesses lower the cost of their risk by focusing on risk control, supported by the best claims advocacy, loss control, and core insurance services available. Our capabilities range from securing basic insurance coverage to overseeing comprehensive risk management programs and providing advanced, specialized services.

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People First Insurance Brokers

Find out how our services can assist you in becoming better prepared and protected for what comes next.

Contact Us

Jason Haas, Taft-Hartley, insurance broker.