Specialized Client Services
Dedicated stewardship
Pre-renewal reviews, program structure, carrier negotiation, and day-to-day advocacy when a COI or endorsement is on the critical path.
Utility · Water & sewer · Pump
Send your current policy and we'll show you what's missing — no obligation, no pricing pressure.
AOR, Division of Sihle Insurance Group · Nationwide · Water, sewer, utility & pump
AOR, fully backed by Sihle Insurance Group, builds programs for commercial water, sewer, utility, and pump contractors — general liability, commercial Auto, fleet, workers’ comp, umbrella, and inland marine — so certificates clear and renewals don’t stall crews.
You don’t need a generic contractor package. You need Auto priced for service and pump trucks, equipment schedules that match owned and rented gear, GL structured for dig and utility work, same-day COIs, and a team that still answers after the binder.
Specialized Client Services, third-party claims management, risk management support, Sihle Access for self-serve certificates, and online certified safety training through our Learning Management System.
One of only 6 Florida agencies appointed to UFG’s national construction program — when your risk fits.
Coverage gets you on the job. Stewardship, self-serve tools, and certified training keep you there.
Pre-renewal reviews, program structure, carrier negotiation, and day-to-day advocacy when a COI or endorsement is on the critical path.
Independent advocacy on Auto, site-damage, and completed-ops files — worked for outcome, not left to run your experience mod.
Fleet safety posture, sub COI / contract compliance, and documentation underwriters use when they price your program.
Log in and process Certificates of Insurance yourself — plus ID cards and policy lookup — so a held-up COI doesn’t stop the job. Special wording still goes through us when the contract needs it. sihle.com/sihleaccess
Assigned, trackable safety courses for your crews through our LMS — certified online training that supports jobsite discipline, loss prevention, and what markets look for at renewal.
The exposures that drive premium, placement, and whether you can keep bidding municipal and commercial work.
MVRs, driver criteria, and a written fleet policy. Markets price how you run service units and pump trucks — not the logo on the door.
Service vans, trailers, and specialty units often blow the renewal. Loss history, radius, and fleet controls decide whether crews stay profitable.
Excavation, existing utilities, and public jobsites raise third-party severity. Contracts and dig discipline matter as much as limits.
Owned, leased, and rented equipment must land on the right form — Auto vs inland marine — without duplicate charges or coverage gaps.
Self-issue standard Certificates of Insurance in Sihle Access when you need them. Wrong additional insured or missing waiver still gets kicked back — we structure special wording to municipal and GC contracts when the job requires it.
Materials and systems in transit or staged on site. Schedule installation floaters and inland marine before a theft or transit loss stops the job.
Fleet, Auto, equipment, dig liability, claims — we’ll walk your program.
Middle-market commercial operations — not residential handyman or consumer “plumber near me” leads.
Underground installs, municipal and industrial utility scopes. Dig liability and contract compliance drive GL.
Accurate class codes, equipment schedules, and Auto for service units — not a generic plumbing package.
Bypass, lift-station, and related infrastructure work for commercial and municipal accounts.
Structured around what water, sewer, utility, and pump contractors renew on.
Eligibility, terms, and markets depend on operations, loss history, controls, and state — confirmed in review.
Trade coverage in all 50 states for multi-state utility and pump work.
Programs placed with financially strong markets when your risk fits.
One of only 6 Florida agencies appointed to UFG’s national construction program.
Held-up certificates stop jobs. Self-serve in Sihle Access — or we turn most COIs same day.
Service-crew Auto and pump/equipment schedules structured for hard-market renewals — not a generic package.
Specialized Client Services, claims management, and certified LMS safety training that protect renewals.
Upload declarations. We come back in 24–48 hours with a plain-language rundown — what’s covered, what’s missing, what to fix next.
Units, drivers, radius, loss history.
Dig, utility, and completed-ops severity sized to the work.
Pumps, bypass, inland marine, and installation floaters.
COIs via Sihle Access, LMS safety training, client services, and claims advocacy after bind.
Straight answers for commercial water, sewer, utility, and pump contractors.
Yes. We’re appointed to write construction and trade coverage in all 50 states — important if you run multi-state service or work for GCs and municipalities across state lines.
Commercial water, sewer, and utility line contractors, pump installation and service specialists, and related middle-market operations with real payroll, fleet, and contract exposure. Not residential handyman or consumer plumber leads.
Dedicated stewardship — pre-renewal reviews, program structure, carrier negotiation, and day-to-day advocacy. Not a quote shop that disappears after the binder.
Yes. Through the Sihle Access portal you can process your own Certificates of Insurance, look up policy information, and pull ID cards — so you’re not waiting on a call center for a standard COI. Special wording, additional insureds, and waivers of subrogation that need underwriting still go through our team. Register or log in at sihle.com/sihleaccess.
Yes. Clients get access to our Learning Management System for online certified safety training — assign courses to crews, track completion, and support the jobsite discipline markets price at renewal.
Independent claims advocacy so Auto, site-damage, and completed-ops files are worked for outcome — protecting your experience mod and next renewal.
Yes. Auto is often the renewal that hurts trades most. We review fleet, drivers, loss history, and controls, then structure commercial Auto for how service crews and pump trucks actually run.
Pumps, bypass systems, trailers, and mobile equipment often need inland marine schedules coordinated with Commercial Auto so units are not double-charged or left uncovered.
Yes. Utility and water-sewer work carries excavation and third-party site exposures. We structure GL and contract compliance around how you dig and who you work for.
Most COIs go out same day. Wrong AI wording or a missing waiver of subrogation is the usual kickback — we structure endorsements to the contract so that doesn’t happen.
No. It changes who’s managing and advocating for your program — not your carrier or terms by default.
Current declarations pages. Upload them and we’ll respond within 24–48 hours with a plain-language rundown of what’s covered and what’s missing.
Upload declarations for your water, sewer, utility, or pump operation. No obligation — we’ll show what’s covered, what’s missing, and how to keep crews bidding.
Same Construction Risk Profile path — phones answered by AOR / Sihle specialists.
AOR - Division of Sihle Insurance
We typically reply in a few minutes