Environmental Underwriting Solutions (EUS) offers a focused Energy, Oil & Gas Insurance program designed for agents placing businesses that operate in exploration, production and related services. Available in most U.S. states, this program gives you access to specialized coverages — including pollution and professional liability — and flexible capacity to help place difficult-to-insure energy accounts with confidence.
Program Features:
- ISO Commercial General Liability (CGL)
- Proprietary Contractors Pollution Liability
- Proprietary Professional Liability
- Proprietary Site Pollution Liability
- ISO-Based Follow Form Excess Liability (supported and unsupported)
- Flexible capacity and stacking options
- Primary limits up to $2M/$4M/$4M
- Follow Form Excess limits up to $10M (includes Pollution and Professional Liability)
Ideal Accounts and Target Classes:
- Manufacturers and distributors serving the energy sector
- Alternative fuels and renewable energy operations
- Oil field consultants, completion, workover and well service providers
- Roustabouts, lease crews, logging and mud companies
- Reclamation, remediation and disposal well facilities
- Waste-to-energy and anaerobic digestion projects
- Instrumentation, control and cathodic protection services
- Safety, industrial hygiene and communications vendors
- Grading, site preparation and other contractors serving energy sites
Coverage Highlights and Advantages:
EUS combines admitted ISO forms with proprietary pollution and professional liability wording to create broader solutions for energy risks. The program supports mixed placements — primary GL, contractors pollution, site pollution and professional liability — with follow form excess limits available on both supported and unsupported bases. Flexible attachment points and capacity make it easier to build layered structures on complex accounts.
Limits and Deductibles:
- Limits available up to $12,000,000
- Deductibles starting at $0 (risk-dependent)
- Minimum premiums start at $4,000
Underwriting Appetite & Typical Restrictions:
EUS targets energy-related operations with pollution and professional exposures that are often challenging for standard markets. Typical fits include contractors with limited pollution history, consultants providing engineering or well services, and facilities handling waste-to-energy or renewable fuels. Accounts with ongoing significant contamination, recent large loss history, or operations outside the listed target classes may require additional review or be outside appetite.
Territory and Availability:
This program is available in most U.S. states, including 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 Environmental Underwriting Solutions:
As a wholesale broker, EUS pairs deep pollution and energy underwriting experience with access to multiple markets. They provide tailored forms, responsive underwriting and flexible placement structures that help you close accounts other markets decline. EUS is positioned to support both admitted and non-admitted solutions where appropriate.
Example placements: You might have a client that operates a disposal well facility and needs layered coverage for site-specific pollution and general liability, or a startup producing renewable fuels that requires contractors pollution plus professional liability. EUS can help you structure those placements and navigate market appetite.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for energy-related businesses such as oil field consultants, alternative fuel producers, mud companies, remediation contractors, and contractors supporting production and well services.
What coverages are included in the Energy, Oil & Gas program?
Coverage options include Commercial General Liability, Contractors Pollution Liability, Professional Liability, Site Pollution Liability, and Follow Form Excess coverage.
What are the coverage limits and minimum premiums?
Limits can be placed up to $12 million, with minimum premiums starting around $4,000. Deductible options begin as low as $0, subject to underwriting review.
Is this program available in all states?
The program is available in most U.S. states, including key energy-producing states like TX, OK, ND, and PA. See the territory list above for full availability.
Can I place unsupported excess coverage through this program?
Yes. Follow Form Excess coverage is available on both supported and unsupported bases and can include pollution and professional liability where appropriate.
Need help placing an account? Connect with a market specialist.