Utility tote with panel insert

FIG. 1 is a front perspective view of a utility tote with panel insert according to our new design;

FIG. 2 is a rear perspective view thereof;

FIG. 3 is a rear view thereof;

FIG. 4 is a front view thereof;

FIG. 5 is a top view thereof;

FIG. 6 is a bottom view thereof;

FIG. 7 is a right-side view thereof; and,

FIG. 8 is a left-side view thereof.

The broken lines in the figures indicate stitching and form a part of the claimed design.