Imagine you are walking up a moderately busy street -- no gridlock or anything, but cars pass by frequently. You know the street well and when you get to the intersection of your local supermarket, you prepare to cross the street. You have done it hundreds of times before so, thinking nothing of it, you cross the street because you don't hear the familiar hum of a car nearby.
The systems that deliver our essential utilities tend to run along busy thoroughfares. That puts utility workers at particularly high risk of suffering serious injuries on the job. When they occur the first source of coverage to pay for recovery and lost wages is workers' compensation.