Energy Insurance — EnergyPAC from Citadel Insurance Services
Overview
Citadel Insurance Services offers EnergyPAC, a wholesale energy insurance program designed for the risk profiles of both traditional and alternative energy businesses. EnergyPAC combines admitted primary placements with industry-specific endorsements and excess capacity through A-rated markets to deliver broad, market-aware solutions for oil & gas, petrochemical, mining, ethanol and renewable energy operations.
Ideal Accounts and Appetite
EnergyPAC is built for agents who need a market for mid-to-large energy risks, including:
- Servicing contractors of all types (field service, maintenance, well servicing)
- Exploration & production (E&P) contractors and operators
- Petrochemical and product manufacturers
- Equipment sales, rental and repair businesses that support energy operations
- Alternative energy and ethanol producers and support vendors
Most related operations within those classes can be considered. Accounts with strong safety programs, formal loss-control, and predictable operations typically place most smoothly.
Coverage Highlights and Advantages
- Admitted primary coverage available
- General Liability with Pollution extensions (30/90 pollution liability)
- Underground Resources & Environmental (UGRE) coverage
- Defense Outside the Limits
- Blanket Additional Insured, Waiver of Subrogation, and Primary & Non-Contributory wording
- Employee Benefit Liability and Stop Gap coverage where needed
- Fellow employee coverage on both General Liability and Commercial Auto
- Follow-form excess liability available to extend limits
- Non-auditable policies where appropriate for contractor and rental exposures
- Capacity up to $25 million (determined on a risk-by-risk basis)
EnergyPAC places business with a panel of experienced carriers, including Arch, Starr, AIG, Zurich, Markel and Kinsale, providing strong financial backing and sector expertise.
Underwriting Notes and Minimum Premiums
Typical underwriting focuses on the nature of operations, environmental exposure history, subcontractor controls, claims/loss runs, and safety programs. Citadel evaluates exposures such as pollution, third-party property damage, well control, and equipment rental liabilities when assessing placements.
Minimum account premium: $7,500. Limits, endorsements and final pricing depend on underwriting detail and carrier appetite; larger or more complex risks may require higher minimums or layered solutions.
Territories and Availability
EnergyPAC is available across the following states: 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, WY. Admitted coverage options are available where applicable.
Why Work With Citadel Insurance Services on EnergyPAC?
- Wholesale broker relationships with multiple A-rated markets give you placement flexibility for hard-to-place or higher-limit accounts.
- Program wording tailored to energy industry exposures — pollution features, UGRE, defense outside the limits and fellow-employee wording reduce gaps between GL and specialty coverages.
- Dedicated underwriting focus on both traditional and alternative energy classes helps speed decisions for common industry risks.
- Capability to package admitted primary and follow-form excess layers for a streamlined program structure.
Example Accounts That Fit EnergyPAC
- A well-servicing contractor with on-site fueling operations, a formal safety program, and a history of preventive maintenance — needs GL with pollution extensions and equipment rental coverage.
- An ethanol plant supplier that manufactures and ships process components — needs product manufacturing coverage with pollution and product liability features plus excess capacity.