Power Generation & Utilities Business Insurance


Power Generation & Utilities Businesses Face Significant Risks

The Hartford offers a wide selection of insurance coverage options designed specifically to help protect power generation and utility businesses of all sizes. So whether your energy business is generating electricity, operating a wind energy facility, or managing an electric co-op, energy insurance The Hartford’s professional services and range of coverages enable you to tailor an energy insurance solution to meet the unique needs of your business.

We specialize in coverage for the following power generation utilities industries:
 
  • Gas and coal-fired power facilities
  • Wind energy facilities
  • Hydroelectric facilities
  • Solar facilities
  • Electric utilities
  • Electric producers 
  • Independent power producers
  • Independently owned utilities
  • Electrical cooperatives
  • Biomass
  • Biofuels
  • Geothermal
  • Fuel cell technologies
 
Recommended Coverage for Power Generation and Utilities Businesses
Our General Liability Choice® insurance helps protect power generation businesses from claims of bodily injury and property damage as well as personal and advertising injury. We cover:
 
  • Personal and advertising injury, such as: libel; slander; defamation; and product disparagement including offenses that occur from your website, bulletin boards and chat rooms
  • Broad named insured, including contractual liability, manufacturer’s errors and omissions, and product recall expense coverage
  • Time element pollution extension endorsements
  • Blanket additional insured coverage
  • Primary non-contributory coverage when required by contract
  • Per project/per location aggregate
  • Failure to supply coverages are available for power and utilities exposures
Power generation businesses depend on the commercial vehicles they use to help meet today’s growing energy demands. Whether employees use your company vehicles for transportation to remote facilities or drive service trucks to perform daily operations, you need to insurance to help protect your energy business in the event one of your commercial vehicles is involved in an accident.
 
The Hartford’s power generation, utilities and energy business insurance solutions help protect commercial vehicles with:
 
  • Hired auto physical damage – automatically covers physical damage to any auto a renewable energy company rents, loans or leases (up to $100,000 per loss) if the business purchases physical damage and liability coverage for its autos
  • Employees as additional insureds – covers a green energy company’s employees for liability if they use their own autos to conduct company business
  • Upset and overturn extension of coverage – covers expenses related to cleanup from an upset and overturn of spilled product
Typically, employees of power generation companies can be exposed to high-level risks on a daily basis. Accidents, mishaps, or long-term illnesses are some of the risks to employees involved in the operation of power generation facilities.
 
For power generation businesses, The Hartford’s workers’ compensation insurance plan helps provide coverage for unanticipated exposures and accidents to employees. We offer:
 
  • Broad form endorsements to help protect against certain unknown and unanticipated exposures not typically covered by a standard policy1
  • Our basic option is automatically included at no extra cost and includes employers’ liability stopgap for monopolistic states and voluntary compensation
  • Our extended option is available for an additional charge and includes increased limits for employer’s liability, foreign voluntary compensation and United States Longshore and Harbor workers’ Compensation Act (USL&H)
     
1 Some coverages may not be available in all states.
In the event that a claim made against a power generation or utilities business exceeds its primary liability coverage limit, The Hartford’s commercial umbrella insurance is designed to help cover the excess costs of the liability.

With up to $25 million in policy limits, energy businesses can rest assured knowing The Hartford’s commercial umbrella policy is there to help protect them when they need it most.
Additional Solutions for Power Generation and Utilities Businesses
The Hartford has a long history of providing innovative inland and ocean marine products and services to power generation and utilities companies to help meet specialized property and cargo coverage needs, including:
 
  • Shipper’s Interest
  • Ocean Cargo ChoiceSM
  • Installation coverage
The Hartford offers U.S. domiciled companies a spectrum of coverage that goes far and wide. Whether you need to cover employees traveling abroad or a whole overseas enterprise, The Hartford can offer the right package of protection with options ranging from The Hartford Passport Package to The Hartford’s Controlled Master Policy (CMP) with local multinational policies – in one coordinated insurance program.
 
Our management liability insurance for power generation and utilities businesses features flexible limits and coverage options so power generation and electric utilities can customize coverage to meet their unique needs. Management liability coverages offered by The Hartford include:
 
  • Directors & Officers
  • Responsabilidad por prácticas de empleo
  • Fiduciary Liability Crime
  • Kidnap & Ransom/Extortion
     
The Hartford’s innovative Risk Engineering team offers a broad range of consultative loss control services and educational opportunities that can help power generation and utilities companies provide a safer work environment for their employees.
 
Our Risk Engineering consultants can provide guidance and training on loss prevention, leave and absence management, workplace safety and wellness. And in the event an employee is injured on the job, The Hartford can provide support services to help get them back to work as soon as medically possible.
 
Our customers rest easy knowing that The Hartford’s industry leading claims service support team is there to provide:
 
  • 24/7 claims reporting
  • Specialized claims handlers for specific coverages
  • Experienced claims and legal assistance to help achieve the best outcomes in even the most difficult claims
  • Extensive networks of medical providers, pharmaceutical providers and medical case management
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.