Overview of the Program From Sloan Mason Insurance
This program is tailored for contractors who install, repair, or maintain above-ground and underground power lines, including high-voltage and distribution systems. With access to top-rated carriers and deep experience in the energy and utility contracting space, Sloan Mason helps you secure competitive quotes for challenging accounts.
Ideal Accounts and Appetite
This program is best suited for:
- Power line construction and maintenance contractors
- Utility service contractors working with municipalities or private utilities
- Contractors involved in overhead electrical line work, transmission, or distribution
Accounts should have a solid safety record and experience in the field. Risks with poor loss history or limited experience may be ineligible.
Coverage Highlights and Advantages
- General Liability, Auto Liability, and Workers Compensation available in one package
- Umbrella Liability coverage starts at a $7,500 minimum premium
- Admitted and non-admitted markets available, depending on risk and location
- Access to experienced underwriters who understand the unique exposures of utility contractors
Underwriting Notes and Minimum Premiums
To receive the most accurate quote, the following underwriting information is required:
- 5 years of payroll history
- 5 years of currently valued, carrier-issued loss runs (dated within 90 days of the requested effective date)
- Completed ACORD applications
- Contractors Supplemental application
- Experience Rating Worksheet (NCCI or WCIRB)
Minimum Premiums:
- $20,000 combined for Auto, General Liability, and Workers Compensation
- $7,500 minimum for Umbrella Liability
For a full list of required information, download the
Power Line Contractors Data Sheet.
Territories and Availability
This program is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.
Why Work With Sloan Mason Insurance?
As a wholesale broker with deep expertise in contractor risks—particularly in high-hazard sectors like electrical and utility work—Sloan Mason Insurance delivers market access and underwriting insight that helps agents close more business. Whether your client is a regional contractor expanding into power line work or a long-standing utility services firm, Sloan Mason can help you secure the right coverage at the right terms.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for contractors involved in the installation, maintenance, or repair of power lines and related utility infrastructure.
What is the minimum premium for this program?
The combined minimum premium for Auto, General Liability, and Workers Compensation is $20,000. The Umbrella Liability minimum premium is $7,500.
What underwriting information do I need to submit to get a quote?
You’ll need 5 years of payroll history, 5 years of currently valued loss runs, ACORD applications, a Contractors Supplemental, and an Experience Rating Worksheet.
Which states is this program available in?
This program is available in most states across the U.S., including CA, TX, FL, NY, and many others.
Is the program admitted or non-admitted?
Most markets available through this program are admitted, but availability may vary by state and risk profile.
Need help placing an account? Connect with a market specialist.