Oil and Gas Insurance

Tank capacities, product values, dispensing systems, and location details influence property coverage. Review how insured values change as inventory levels and operating needs fluctuate.

A delivery exposure includes more than driving. Consider loading and unloading, customer equipment, delivery procedures, and the responsibilities your business accepts under service agreements.

Premises, product, and vehicle claims can involve different policies. Review how those policies work together, including any gaps between primary and excess protection.

Tank pollution coverage can address insured systems from tanks to dispensers, including covered cleanup costs and third-party liability. Options are available for aboveground storage tanks (ASTs) and underground storage tanks (USTs).

Additional program options include coverage for alternative fuels such as biodiesel, E-15, and E-85, as well as retroactive coverage, subject to eligibility and policy terms. Tank construction, contents, maintenance, and prior coverage should be reviewed when evaluating protection.

A spill during a delivery may involve a different exposure from a release at your own facility. Review transportation and loading or unloading coverage alongside your auto and environmental policies.

Convenience stores, car washes, vehicle service, and other activities add distinct risks. Include every business activity in the review so the program reflects the full operation.