Ascinsure Specialty Risk offers the Energy Defender Insurance program to help agents and brokers place complex energy, mining, and utility accounts. This program combines targeted underwriting with broad market access to manage exposures across traditional and alternative energy operations, mining, and utility services.
Ideal Accounts and Appetite
Energy Defender is built for a wide range of energy-related businesses. Whether you represent established operators or growing start-ups, the program provides tailored solutions across four core categories:
Oil & Gas
- Exploration and well drilling operations
- Lease operators and well servicing companies
- Refineries and petrochemical contractors
- Pipeline construction and operations
- Equipment dealers and energy consultants
- Architects, engineers, and site-preparation contractors
Minimum Premium: $15,000
Alternative Energy
- Solar, wind, geothermal, and biomass operations
- Start-ups and facility operators
- Fuel cell, co-generation, and landfill methane projects
- Nanotechnology and photovoltaic construction related to energy
Minimum Premium: $10,000
Mining
- Underground and surface mine operators
- Milling and processing facilities
- Blasting and crane companies
- Mining equipment manufacturers
- Contractors, engineers, and consultants
Minimum Premium: $15,000 (varies by class and state)
Utilities
- Public and investor-owned utilities
- Independent power producers and merchant power entities
- Gas transmission and distribution projects
- Solar, wind, and co-generation plants
- Build-own-operate or sell (BOO/BOS) project structures
Minimum Premium: $15,000 (varies by class and state)
Coverage Highlights and Advantages
The Energy Defender program addresses the operational, environmental, and contractual exposures common to energy and mining clients. Ascinsure works with multiple carriers to provide tailored solutions for general liability, pollution/legal liability, contractors’ operations, and other specialty exposures. You can expect:
- Access to admitted and non-admitted capacity through established carrier relationships
- Flexible forms and endorsements to reflect project-specific risk
- Underwriting that emphasizes operational controls, safety programs, and loss history
Example accounts that fit well include a solar installation firm expanding into multi-state utility-scale projects, or an oilfield services contractor focused on pipeline construction and maintenance.
Underwriting Notes and Minimum Premiums
Underwriting evaluates operational detail, controls, contracting arrangements, and prior loss experience. Minimum premiums typically start at $10,000 for alternative energy accounts and $15,000 for oil & gas, mining, and many utility risks. Minimums and terms may vary by class and state; higher minimums often apply to larger or higher-hazard operations.
Territories and Availability
The Energy Defender program is available in most U.S. states. Admitted coverage is available in many jurisdictions depending on class and state. Primary territories include AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.
Why Work With Ascinsure Specialty Risk
Ascinsure is a wholesale broker focused on niche energy and mining placements. The firm pairs technical underwriting with broad market access to place difficult or layered risks. Working with Ascinsure gives you:
- Specialized underwriting expertise for energy, mining, and utility operations
- Responsive placement support and access to multiple carrier options
- Practical guidance on submission preparation to improve placement success
For new submissions or to discuss a specific account, contact the Ascinsure team at [email protected].
Frequently Asked Questions
What types of accounts are a good fit for the Energy Defender program?
The program fits oil & gas operators, mining companies, alternative energy ventures, and utility providers — from established firms to qualified start-ups in the energy space.
What is the minimum premium for this program?
Minimums generally start at $10,000 for alternative energy risks and $15,000 for oil & gas, mining, and utility classes. Final minimums vary by class and state.
Is coverage available in all states?
Coverage is available in most U.S. states. Admitted options are offered in many jurisdictions depending on the class of business and regulatory requirements.
Can start-ups or smaller operations qualify for coverage?
Yes — particularly alternative energy start-ups. Eligibility depends on operations, loss history, and meeting the program's underwriting criteria and minimum premium thresholds.
Who do I contact to submit a risk or learn more?
Submit new business or request information by emailing the Ascinsure team at [email protected].
Need help placing an account? Connect with a market specialist.