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Our packaged solutions can include coordinated general liability, commercial auto, umbrella excess and pollution coverages that provide clients with comprehensive protection for the full scope of their energy operations.

Coverage

  • Primary General Liability
    • For qualified risks, on an admitted basis in all 50 states; non-admitted coverage available for unique risks through surplus lines brokers
    • Occurrence or claims made basis
    • ISO policy forms
    • First dollar/guaranteed cost basis or deductible or self insured retention
    • Time element pollution available, including sudden and accidental BI/PD with remediation expense coverage (minimum deductible of $10,000 per pollution incident)
    • Guaranteed cost and deductible policies quoted using ACE USA claims handling. Claims handling within a self insured retention can be provided by ACE claim service affiliate, ESIS, Inc., another acceptable TPA, or self-administered, subject to policy provisions
    • Zero collateral required for deductible policies for qualified insureds.
  • Primary Commercial Automobile
    • Admitted basis via use of 2006 ISO policy form
    • Liability and physical damage available
    • Hired and non-owned coverage only available
    • Low minimum premium available to facilitate primary general liability placements
  • Lead Umbrella
    • For qualified risks on an admitted basis in all 50 states
    • Follow form time element pollution coverage available
    • Schedule of underlying insurance can include employers liability coverage provided by non-ACE policy, subject to minimum insurer financial rating of A-VI by A.M. Best.
  • Pollution Liability

 

Target Clients

U.S.-based companies, typically with revenues below $1 billion, including:

  • Drilling contractors
  • Mine blasting contractors
  • Non-operating working interests
  • Oil & gas lease operators
  • Pipeline operators - gathering systems only
  • Surface mining
  • Utilities and power generation
    • Independent power producers
    • Cogeneration
    • Electric, gas and water utilities
    • Regulated and unregulated utilities
    • Public and municipal utilities
    • Public and private cooperatives
  • Well servicing contractors

 

Restricted Industries

  • Refineries, Underground Mining
  • Primary commercial automobile coverage - only in conjunction with this Energy offer’s primary general liability placement
    • Trucking/transportation risks not accepted (e.g. fuel haulers)
    • Fleet composition must be below 200 total units and less than 30 percent classified as Heavy, Extra Heavy or Truck Tractor
  • Lead umbrella coverage written only on supported basis above this Energy offer’s primary policies. Mono-line coverage may be available via Chubb Umbrella/Excess Liability for Energy product.