Ideal Accounts and Appetite
We partner with agents who place clients involved in distribution and transportation of propane and fuel products. Typical accounts include:
- Retail propane dealers with delivery fleets
- Fuel oil distributors servicing residential and commercial customers
- Multi-location fuel suppliers with inland marine exposures
- Transporters handling bulk fuel or propane delivery
The program accepts a wide range of account sizes and ownership structures. We welcome difficult-to-place risks and operations with specialized delivery systems for review, provided sound safety and operational controls are in place.
Coverage Highlights and Advantages
ProSight’s Propane and Fuel Dealers program addresses the spectrum of exposures encountered by distributors and transporters. Core coverages include:
- Failure to Supply
- Misdelivery of Fuel
- Pollution Liability
- General Liability
- Property Coverage
- Workers Compensation
- Umbrella Liability
- Commercial Auto
- Inland Marine
These coverages protect insureds from everyday operational losses and larger incidents such as environmental releases, delivery errors, and workplace injuries. Policies can be structured to reflect fleet operations, storage exposures, and inland marine transit risks.
Underwriting Notes
This program is offered on a non-admitted basis through ProSight Specialty Insurance. Underwriting emphasizes operational controls, driver safety programs, maintenance records, and environmental risk management. While there is no stated minimum premium, accounts that can demonstrate robust safety protocols and loss prevention practices are positioned for the most competitive terms.
Territories and Availability
The Propane and Fuel Dealers Insurance 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 ProSight Specialty Insurance
ProSight focuses on niche industries like energy distribution and brings deep underwriting knowledge of regulatory, environmental, and operational exposures. Agents benefit from specialized policy design, responsive underwriting, and placement capability for accounts that can be hard to place in standard markets. ProSight’s team works with agents to structure terms that reflect each account’s risk profile and loss-control efforts.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for propane dealers, heating oil distributors, fuel transporters, and bulk fuel delivery companies operating in residential, commercial, or industrial markets.
Is this program admitted or non-admitted?
The Propane and Fuel Dealers Insurance program is offered on a non-admitted basis through ProSight Specialty Insurance.
Are there geographic restrictions on where this program is available?
No, the program is available in most U.S. states, including both coastal and inland markets. Please check specific state availability when submitting accounts.
What coverages are included in the program?
Coverages include Failure to Supply, Misdelivery, Pollution, General Liability, Property, Workers Compensation, Umbrella, Auto, and Inland Marine.
Can I submit accounts with prior loss history?
Yes. Accounts with prior losses may be considered depending on the severity, frequency, and the corrective measures taken to reduce future risk.
Need help placing an account? Connect with a market specialist.