The design is the shape and ornament of the Utility Tote and Panel Insert, as shown in the drawings. There are three variants of the design. The broken lines in the figures indicate stitching and form a part of the design.Drawings of the design are included, in which:FIG. 1 is a rear view of a Utility Tote Panel Insert according to a first variant, wherein the Utility Tote Panel Insert is in a folded configuration;FIG. 2 is a front view of the Utility Tote Panel Insert of FIG. 1;FIG. 3 is a top view of the Utility Tote Panel Insert of FIG. 1;FIG. 4 is a bottom view of the Utility Tote Panel Insert of FIG. 1;FIG. 5 is a left side view of the Utility Tote Panel Insert of FIG. 1;FIG. 6 is a right side view of the Utility Tote Panel Insert of FIG. 1;FIG. 7 is a top perspective view of the Utility Tote Panel Insert of FIGS. 1 to 6, wherein the Utility Tote Panel Insert is in a flat or unfolded configuration;FIG. 8 is a bottom perspective view of the Utility Tote Panel Insert of FIG. 7;FIG. 9 is a top view of the Utility Tote Panel Insert of FIG. 7;FIG. 10 is a bottom view of the Utility Tote Panel Insert of FIG. 7;FIG. 11 is a rear view of the Utility Tote Panel Insert of FIG. 7;FIG. 12 is a front view of the Utility Tote Panel Insert of FIG. 7; FIG. 13 is a left side view of the Utility Tote Panel Insert of FIG. 7, the right side view being a mirror image thereof.FIG. 14 is a rear view of a Utility Tote Panel Insert according to a second variant, wherein the Utility Tote Panel Insert is in a folded configuration;FIG. 15 is a front view of the Utility Tote Panel Insert of FIG. 14;FIG. 16 is a top view of the Utility Tote Panel Insert of FIG. 14;FIG. 17 is a bottom view of the Utility Tote Panel Insert of FIG. 14;FIG. 18 is a left side view of the Utility Tote Panel Insert of FIG. 14;FIG. 19 is a right side view of the Utility Tote Panel Insert of FIG. 14;FIG. 20 is a top perspective view of the Utility Tote Panel Insert of FIGS. 14 to 19, wherein the Utility Tote Panel Insert is in a flat or unfolded configuration;FIG. 21 is a bottom perspective view of the Utility Tote Panel Insert of FIG. 20;FIG. 22 is a top view of the Utility Tote Panel Insert of FIG. 20;FIG. 23 is a bottom view of the Utility Tote Panel Insert of FIG. 20;FIG. 24 is a rear view of the Utility Tote Panel Insert of FIG. 20;FIG. 25 is a front view of the Utility Tote Panel Insert of FIG. 20; FIG. 26 is a left side view of the Utility Tote Panel Insert of FIG. 20, the right side view being a mirror image thereof.FIG. 27 is a rear view of a Utility Tote Panel Insert according to a third variant, wherein the Utility Tote Panel Insert is in a folded configuration;FIG. 28 is a front view of the Utility Tote Panel Insert of FIG. 27;FIG. 29 is a top view of the Utility Tote Panel Insert of FIG. 27;FIG. 30 is a bottom view of the Utility Tote Panel Insert of FIG. 27;FIG. 31 is a left side view of the Utility Tote Panel Insert of FIG. 27;FIG. 32 is a right side view of the Utility Tote Panel Insert of FIG. 27;FIG. 33 is a top perspective view of the Utility Tote Panel Insert of FIGS. 27 to 32, wherein the Utility Tote Panel Insert is in a flat or unfolded configuration;FIG. 34 is a bottom perspective view of the Utility Tote Panel Insert of FIG. 33;FIG. 35 is a top view of the Utility Tote Panel Insert of FIG. 33;FIG. 36 is a bottom view of the Utility Tote Panel Insert of FIG. 33;FIG. 37 is a rear view of the Utility Tote Panel Insert of FIG. 33;FIG. 38 is a front view of the Utility Tote Panel Insert of FIG. 33; andFIG. 39 is a left side view of the Utility Tote Panel Insert of FIG. 33, the right side view being a mirror image thereof.