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.