TEXAS HIGH VOLTAGE & INFRASTRUCTURE

High Voltage & Utility Contractor Insurance in Texas

Standard carriers fear the grid. We don’t. From wildfire liability buybacks to $10M+ excess towers, we build the E&S compliant programs that utility contracts demand — so you can sign the MSA and deploy the fleet.

Coverage Details Call 972-696-9995
75+ Insurance Carriers
5★ on Google · 90 Reviews
E&S & Wholesale Access
ISNetworld® & MSA Review

Built for the Line, Not the Office

If you do Transmission, Distribution, or Substation work, you know standard carriers hate your risk. We build the programs that actually pass the MSA reviews from Oncor, Duke, and Entergy — so you can mobilize the fleet.

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T&D Line Construction

Overhead and underground work. We find the markets that don’t exclude “Wildfire” so you can bid on the prime contracts.

Wildfire BuybackPole ReplacementGrid Hardening
Substation & Civil

Concrete, steel, and high-voltage tie-ins. We handle the “Action Over” requirements that kill your chances at the switchyards.

Action OverConcrete/SteelSwitchgear
Storm & Emergency Response

Chasing storms means crossing state lines fast. We build “All States” endorsements so you don’t have to call us at 2 AM when you deploy.

Multi-State24/7 COIsRestoration

Educational note: We use wholesale E&S markets to place risks that admitted carriers reject. This is “Heavy” insurance for heavy work.

The “High Hazard” Coverage Blocks

You don’t need a “Business Owners Policy.” You need specific endorsements to satisfy the Utility Company’s legal department.

Liability & Wildfire Buyback

Most policies hide a “Total Wildfire Exclusion.” We fight to get that removed so if a spark happens, you aren’t bankrupt.

  • Wildfire Coverage Included
  • Completed Ops (Tail Coverage)
Without it: A single grass fire from line work can generate a multi-million-dollar claim. Your excluded GL responds with $0.

Bucket Trucks & Digger Derricks

Your fleet is heavy and expensive. We cover the booms, the hydraulics, and the lifting risk while you’re planting poles.

  • On-Hook Coverage
  • Boom & Overturn Protection
Without it: A $400K digger derrick overturns on a right-of-way. Standard auto covers the cab — not the boom or the damage to the line.

Comp for Linemen

We classify your guys correctly (Line Construction). No “miscoding” them as electricians just to get a cheap quote that fails audit later.

  • Heights/Climbing Accepted
  • USL&H (Near Water Work)
Without it: Linemen coded as inside electricians means a six-figure audit adjustment — plus potential comp denial when someone falls.

Tools & Equipment (The Iron)

From testing gear to excavators. If it’s on your truck, in your yard, or at the job site, we cover it against theft and damage.

  • Rented Equipment Coverage
  • Rigging Liability
Without it: $200K in testing equipment and hot sticks stolen from a laydown yard — and your property policy doesn’t cover off-premises mobile gear.

Materials & Copper Theft

Copper wire walks off job sites. We insure the “Work in Progress” and the materials you haven’t installed yet.

  • Theft from Job Site
  • Materials in Transit
Without it: $60K in copper conductor disappears from a staging area overnight. Without an installation floater, that’s your loss.

Excess Liability Towers

The contract asks for $5M or $10M limits? We stack multiple carriers to build the “Tower” you need to sign the deal.

  • $5M – $20M Capacity
  • Follow Form Wildfire
Without it: The MSA demands $10M. Your policy has $2M. You don’t sign the deal — the crew that has the tower does.

MSA & Contract Review

Send us the contract from the Utility before you bid. We spot the “gotchas” in the insurance section so you know the real cost.

  • ISNetworld® Help
  • Waiver of Subrogation
Without it: You win the bid, then discover the wildfire buyback and excess layers cost $50K more than you budgeted. The margin is gone.

Subcontractor Risk

Hiring 1099s or subs? You’re on the hook for them. We make sure your policy covers you for the guys you hire.

  • Independent Contractor Coverage
  • Audit Protection
Without it: Your sub’s comp lapses mid-storm-response. Their lineman gets hurt 400 miles from home. The auditor adds their payroll to your policy — retroactively.

Why You Get Blocked from the Job Site

It’s usually two things: The “Wildfire Exclusion” buried in page 90 of your policy, or not having the “Excess Limits” the Utility demands.

The “Wildfire” Trap

Standard carriers are terrified of Texas heat + dry grass. They attach a “Total Wildfire Exclusion.” If you cause a spark, you have $0 coverage.

  • The Fix: We go to London/Bermuda markets to buy that coverage back.
  • The Result: You are compliant with the Master Service Agreement.
  • Action Over: We ensure you’re covered if an injured employee sues the Utility.

The $10M Limit Hurdle

You can’t get on the yard with $1M. Utilities demand towers of $5M, $10M, or more. Most local agents can’t build this.

  • The Tower: We stack multiple carriers to hit the limit.
  • Project Specific: We can build this just for one big job if needed.
  • Speed: We know which carriers quote this fast.
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How We Build Your Quote

This isn’t an instant online quote. This is a negotiated deal with heavy underwriters. We need to sell your “Story” to them — and we typically submit within 48 hours of receiving your documents.

1 The “Hard” Questions

We need your Loss Runs (5 years), your Safety Manual, and the max height/voltage you work with.

2 The Negotiation

We take your file to the Wholesale brokers (CRC/Amwins) and fight for the Wildfire Buyback and better rates.

3 The Proposal

We show you exactly what’s excluded and what’s included, and confirm it meets your ISNetworld® grades and MSA requirements.

What Helps Us Move Faster

  • Currently Valued Loss Runs (5 Years)
  • Safety Manual Table of Contents
  • Vehicle List (VINs & Values)
  • Copy of the Contract Requirements

The Deal Breakers

  • Do you do any residential work? (Hard NO for some)
  • Do you use subs without insurance?
  • Have you had open claims in the last year?

Not Ready for a Full Quote? Get a Free MSA Coverage Check.

Send us your utility MSA or contract requirements and we’ll identify the specific coverage gaps — wildfire exclusion, excess limits shortfall, missing waivers — before you bid. No commitment, no obligation.

Request Your Free MSA Check
Takes 10 minutes No obligation Typically responds within 1 business day

FAQ

Straight answers for utility contractors.

We ask about your MSA requirements, your wildfire exposure, your fleet composition (boom trucks, digger derricks, service vehicles), and the voltage levels you work with — not just “how many employees do you have.” We use London, Bermuda, and domestic E&S markets because admitted carriers won’t touch this work. If your current agent doesn’t know what a “wildfire buyback” is, that’s your answer.
Maybe you wouldn’t. But if your policy has a wildfire exclusion you didn’t know about, if your agent can’t build the excess tower your MSA requires, or if your linemen are coded as inside electricians — those aren’t loyalty problems, they’re expertise problems. A free MSA coverage check costs you nothing and tells you whether your current program can actually pass the utility’s review.
Yes. It costs more than standard GL, and it requires the E&S market, but we can secure policies that do NOT exclude wildfire. We access London/Bermuda markets and domestic surplus lines carriers that specialize in this exposure. The cost is usually a fraction of losing the contract.
Yes, if the owner has experience (a resume) and a solid business plan. The down payment will be higher, but we can do it. We represent 75+ carriers, and some specifically write new ventures with experienced principals in the utility trades.
Yes. We stack carriers to reach $5M, $10M, or whatever the Utility demands — we’ve built towers up to $20M for T&D contractors. The critical detail is making sure the excess layers follow form on wildfire. Otherwise you have a gap at the exact dollar amount where the catastrophic claim lives.
Yes. We know the specific wording needed to get your grade up to an “A” so you aren’t blocked from the site. Most failing grades come from missing endorsements (Waiver of Subrogation, Action-Over) or insufficient limits — both of which we address during program design, not after the grade comes back.
We use Wholesale Brokers to access the “Heavy” markets like Lloyd’s of London, Kinsale, Evanston, and others who write high-voltage risk. We represent 75+ carriers total — the right one depends on your specific operations, fleet, loss history, and contract requirements.

Ready to Clear the Wildfire Exclusion?

Don’t let a bad policy keep you off the bid list. Start the quote process and we will build the program your contract demands.

75+ Carriers 5★ Google · 90 Reviews E&S & London/Bermuda Access
Call 972-696-9995

Educational note: This page is informational. “Wildfire Coverage” and “Excess Limits” are subject to underwriting approval.

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