Power-Line Contractor Insurance Coverage Checklist
The coverages a power-line contractor business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for line, substation, and utility vegetation contractors. Priorities reflect typical exposure; confirm fire-area work.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability (No Wildfire Exclusion) | Covers fires started by line work — some policies exclude or sublimit wildfire. | Core | |
| Umbrella / Excess Liability | Adds limits for wildfire and catastrophic injury claims. | Core | |
| Workers' Compensation | Covers lineworkers facing electrocution, arc flash, and falls. | Core | |
| Commercial Auto | Covers bucket trucks, diggers, and crew vehicles. | Core | |
| Inland Marine (Equipment) | Covers specialized line equipment and tools. | Prevalent | |
| Aircraft Liability | Needed if helicopters or drones are used. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is wildfire. Utility wildfires like the 2025 Eaton Fire produce lawsuits that can reach the contractors who build and maintain the lines, while some policies exclude or sublimit wildfire and utility contracts may require broad indemnity. Contractors should confirm wildfire coverage and limits, and review indemnity terms before signing.
Send us the checklist and we'll review your power-line contractor coverage line by line, then market it across multiple carriers that compete for your account.
Related: Power-Line & Electrical Utility Contractor Insurance · Power-Line Contractor Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a power-line contractor business need?
The core coverages for a power-line contractor business are General Liability (No Wildfire Exclusion), Umbrella / Excess Liability, Workers' Compensation, Commercial Auto. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my power-line contractor coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.