Fuel Oil Dealers Insurance

Fuel Oil Dealers Insurance

Fuel oils such as propane, kerosene, home heating oil, diesel fuel or coal oil, are a complex mixture of hydrocarbons, produced by the fractional distillation of crude oil.  Widely used in the commercial, industrial and agricultural sectors, fuel oil is the second most consumed petroleum product in the United States.globe with fuel pump

The biggest logistical challenge for wholesale and retail fuel oil dealers, is the transportation of fuel oil to filling stations or other facilities for resale or use. The most common and widely used mode of transportation is through fuel tank trucks & trailers.

Due to the nature of cargo, the process of loading, transporting and unloading fuel oil is filled with danger and exposes fuel oil dealerships to an array of risks.

Some of the exposures faced by Fuel Oil and Propane Dealers are:

Cargo Loading Issues

When a tanker carrying fuel oil is under-filled, liquid could splash around in the tank causing instability. The vehicle could roll over or jackknife as a result, leading to horrific accidents and collisions with other motorists.

Cargo Spills

Fuel oils are highly flammable and ‘oil spills’ could cause fires and explosions, putting people, property and the environment to considerable risk.

Workplace Injuries

Injuries from falls at loading bays or delivery sites are common.  Accidents could occur when workers climb side ladders to get to top of tanks to access the hatch or compressed air valve.

Sometimes workers have to get into tank trucks to carry out maintenance, exposing themselves to asphyxiation or drowning.

Faulty Workmanship

Sometimes Fuel Oil Dealers offer additional services such as:

  • Furnace Repairs
  • Tune-ups
  • Tank Changeovers
  • Maintenance Checks

Dissatisfied customers could raise claims against you or your technicians for improper or faulty service.

Fuel Oil Dealers Insurance combines key coverages that protect you from claims and lawsuits associated with property damage, spills, pollution, surface water contamination and erroneous delivery.

The coverages could include:

Commercial General Liability Insurance

Covers claims arising from:

  • Third Party Property Damage
  • Third Party Bodily Damage

Mis-delivery of Liquid Products Coverage

This coverage generally taken as an endorsement under General Liability Insurance protects Fuel Dealers from claims that arise when trucks unload fuel at a wrong location or into the wrong receptacle or for the erroneous delivery of one liquid product for another.

Business Auto Insurance

Your business depends on the timely pickup and delivery of fuel supplies.  Keeping your fleet of tanker trucks ‘on the road’ is important.  If your truck is involved in an accident, Business Auto not only pays for cost of repair or replacement, but also covers medical cost for driver injury, injury to pedestrians or other motorists as well as damage to third party property.

Cargo Insurance

Cargo Insurance policies provide financial assistance in the event of loss or damage to cargo in transit.

Spill & Pollution Liability Insurance

Pollution Liability Insurance protects Fuel Oil Dealers from oil spills that cause pollution and environmental damage.

Workers’ Comp

Workers’ Comp provides employees financial coverage to meet medical expenses that arise during the treatment of work related injury, sickness and disease.

Business Interruption Insurance

Offers you protection when your business operations are halted due to disaster related damage.  It helps pay for lost revenue, covers payroll and also pays utility bills during the downtime.

USG Insurance Services, Inc.
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