Agents are likely to stress risk management concerns to general contractors and subcontractors on a regular basis. However, they may fail to mention to do-it-yourself home owners the dangers of digging deep in a yard to install items such as sprinkler systems. Serious damage to immediate property as well as other property, both private and public, can occur when underground lines suffer a rupture. When occurrences such as natural gas explosions result in severe damage to homes, homeowners policy insurers pay their limits of coverage and, when warranted, exercise their subrogation rights to recover their payments. They sue the contractor engaged in the home construction project as well as the utility providing the service. A professional agent will make clear to a contractor who performs excavation work, or who is responsible for a subcontractor who does, the importance of carrying liability insurance as a backup to cover the exposure.