Protection for Utility Services

Cincinnati's Utility Services Program provides insurance protection for water and sewer facilities and irrigation operations. With professional advice from your agent representing Cincinnati, you can keep your focus on your customers’ needs while we focus on yours.

Expand Your Liability Insurance

The Utility Services Program includes our basic commercial general liability form, which provides many standard coverage features. You can further expand your liability coverage with our Contractors’ Commercial General Liability Broadened Endorsement to insure your risk associated with maintaining water and sewer mains away from your facility. Features include:

  • specified automatic additional insured coverage
  • voluntary property damage
  • broadened contractual liability
  • waiver of subrogation
  • and more

Customize Your Property Insurance

Cincinnati’s standard commercial property form provides a multitude of coverages for your utility business. Customize your coverage with additional property coverage options:

  • Equipment Breakdown Coverage − extends your property policy to cover loss to real and business personal property from the sudden and accidental breakdown of machinery and equipment used in your business.
  • CinciPlus® Water Utilities Commercial Property XC+® − provides increased coverage protecting you from a variety of exposures. This includes some coverage for underground piping.

Options to Suit Your Needs

Round out your insurance program with these options:

  • umbrella coverage
  • directors and officers liability coverage
  • crisis event expense coverage

Cincinnati Advantage

Work confidently, knowing you are protected by a superior insurance program that provides:

  • loss control services at no additional charge
  • access to vendors offering specialized loss control services and training at discounted rates
  • superior claims service from a representative who lives in or near your community
  • multi-year policy terms  available in most states for many coverages
  • stability from a company with a high financial strength rating from A.M. Best Co.
  • one of the lowest countrywide consumer complaint ratios, as documented by the insurance regulatory group, the National Association of Insurance Commissioners, in its Consumer Information Source at
  • a management team specifically dedicated to keeping your insurance program on the leading edge

Contact an Agent
Cincinnati Insurance serves you exclusively through a select group of agencies that perform as premier insurance organizations in their local communities. To obtain a quote, report a claim or learn more about the value of Cincinnati's Utility Services Program and reliable claims service, please find your local independent agency today. Coverage and credit availability varies by state. Underwriting requirements apply. This is not a policy.

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