Find out how deep things in your area are buried. In this part of North Carolina, the power company puts the drop 2.5' down and the water company advises against putting any water line more than 18" deep. In the north (like oldnslo) the rules are different.
Agree with sand or pea gravel at the intersection point, and if you can put the power line in a 10' piece of conduit at the cross, that's good too. Be sure to put a colored tape about 1' down in any trench so both warn you and help you find it later. Take careful measurements so you can find the intersection later.
Pete