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Traditional Energy Insurance

  • Superior energy industry expertise
  • Stable capacity and innovative programs for a changing marketplace
  • Comprehensive coverage
  • Fast, flexible underwriting response
  • Solutions and policy terms tailored for size and complexity of exposure
  • Dedicated claim and risk control services


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.


  • 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.