NAICS UNIVERSITY · Free research for insurance agents
Electric Power Distribution
NAICS 221122 · United States · 2022 edition
This U.S. industry comprises electric power establishments primarily engaged in either (1) operating electric power distribution systems (i.e., consisting of lines, poles, meters, and wiring) or (2) operating as electric power brokers or agents that arrange the sale of electricity via power distribution systems operated by others.
Start the review with utility infrastructure liability.
For Electric Power Distribution, the saved research highlights utility infrastructure liability, wildfire and brush-fire liability, workers' compensation and contractor injury. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- Does the operation own and maintain physical distribution infrastructure, or does it function primarily as a broker or agent?
- What is the approximate size of the service territory — miles of line, number of customers, number of substations?
- What percentage of line work and maintenance is performed by direct employees versus contract crews?
- Is any portion of the service territory located in a wildfire risk zone or area with elevated severe weather exposure?
- What is the age profile of major infrastructure components — transformers, substations, switching equipment?
- For Electric Power Distribution, what should the underwriter know about service territory in a high wildfire risk zone or areas with documented ignition history?
- For Electric Power Distribution, what should the underwriter know about aging infrastructure with deferred maintenance or equipment past typical replacement lifecycle?
- For Electric Power Distribution, what should the underwriter know about prior significant losses including outage liability claims, electrocution incidents, or wildfire involvement?
Activities described by this code
Other activities to examine
- Generating electric energy: 22111 — Electric Power Generation;
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Electric power distribution establishments operate and maintain the network of poles, lines, transformers, meters, and associated wiring that delivers electricity from transmission systems to end-use customers — residential, commercial, and industrial. Some entities in this class operate as brokers or agents arranging electricity sales through distribution infrastructure owned and operated by others, without directly maintaining physical grid assets.
Questions to investigate
- Does the operation own and maintain physical distribution infrastructure, or does it function primarily as a broker or agent?
- What is the approximate size of the service territory — miles of line, number of customers, number of substations?
- What percentage of line work and maintenance is performed by direct employees versus contract crews?
- Is any portion of the service territory located in a wildfire risk zone or area with elevated severe weather exposure?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.