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WDPG Insurance Program
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WDPG Insurance Program
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Medical Cryogenic Gas Insurance

WDPG provides solutions for Medical Cryogenic Gas Insurance needs

Medical cryogenic gas operations carry unique, high-hazard exposures — from escaped oxygen and other gases to tank failures, cylinder damage, transportation risks, and worker safety issues. WDPG Insurance Program offers a specialized Medical Cryogenic Gas Insurance solution written with Chartis that is designed for businesses that store, handle, transport, service, or deliver medical and cryogenic gases. As a Managing General Underwriter, WDPG combines industry knowledge and flexible program design to help agents place accounts with tailored protection and responsive underwriting.

Ideal Accounts and Appetite

This program fits businesses whose primary operations involve medical or cryogenic gases and related equipment. Typical classes include:
  • Medical gas suppliers and distributors
  • Cryogenic tank service and repair providers
  • Oxygen delivery suppliers serving hospitals, clinics, and long-term care
  • Manufacturers, installers, or maintainers of high-pressure gas systems and piping
You might have a client who delivers liquid oxygen to multiple hospitals and needs coverage for escaped gas, mis-delivery, and equipment exposures — this program is built for that risk profile. Accounts with established safety programs, routine cylinder/tank inspection records, and formal transportation controls are typically a strong fit. Operations that involve unusual chemical processes or significant on-site manufacturing of gases should be submitted for review.

Coverage Highlights and Advantages

WDPG’s Medical Cryogenic Gas program offers broad, specialized protections designed for the exposures agents commonly see in this niche. Key features include:
  • Escaped Gas Coverage — Protects against losses from unintended releases of medical gases
  • Mis-delivery of Liquid Products — Addresses liability from wrong-product delivery or mix-ups
  • Aggregate Limits by Location — Limits can be structured by facility or operation site to reflect varying exposures
  • Cryogenic Tank and High-Pressure Cylinder Coverage — Protects critical stationary and mobile equipment
  • Blanket Waiver and Additional Insured by Contract — Supports common healthcare and vendor contract requirements
  • Auto Coverage — Commercial auto options for delivery fleets and transport exposures
  • Workers’ Compensation — Employee coverage tailored to cryogenic and delivery operations
  • Inland Marine — Coverage for mobile equipment, cylinders in transit, and refrigerated transport
  • Medical Gases — Specific focus on oxygen, nitrogen, nitrous oxide, and other healthcare gases
Together these coverages let agents assemble a multi-line solution that addresses both property and liability aspects of cryogenic gas operations.

Underwriting Notes and Minimum Premiums

There is no stated minimum premium, making the program accessible to a wide range of account sizes. WDPG underwrites based on operations, loss history, safety procedures, regulatory compliance, and exposure controls. Helpful submission details include: cylinder and tank inspection schedules, fleet safety programs, driver MVRs, and written delivery/mis-delivery controls. Accounts with comprehensive safety documentation and routine maintenance records typically receive more favorable consideration.

Territories and Availability

The Medical Cryogenic Gas 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. Coverage is written on an admitted basis in most available states, providing regulatory familiarity and security for insureds.

Why Work With WDPG on This Business

WDPG is a Managing General Underwriter with focused expertise in medical gas and cryogenic exposures. Working with WDPG gives agents access to: experienced underwriting tailored to this niche, customized policy forms that address escaped gas and equipment risks, and capacity provided by Chartis. WDPG’s team understands the operational details that matter to hospitals, clinics, and large distributors, and they can structure limits, endorsements, and sublimits to match contractual and regulatory needs.

Whether you represent a startup cryogenic gas distributor or an established medical gas supplier with multiple delivery routes, WDPG provides the underwriting insight and multi-line placement capability to help you secure appropriate coverage for your client.

Frequently Asked Questions

What types of accounts are a good fit for this program?

Ideal accounts include medical gas distributors, cryogenic tank service providers, oxygen delivery companies serving healthcare facilities, and contractors who install or maintain high-pressure gas systems.

Is there a minimum premium requirement?

No. There is no stated minimum premium, which makes the program accessible for both small operators and larger suppliers.

What coverages are included in the program?

The program offers escaped gas coverage, mis-delivery of liquid products, equipment and cylinder coverage, auto, workers’ compensation, inland marine, and contract-related endorsements such as additional insured and blanket waivers.

In which states is this program available?

The program is available in most U.S. states, including CA, TX, NY, FL, IL, and many others; it is written on an admitted basis in most jurisdictions where offered.

Can coverage be customized by location?

Yes. Aggregate limits and other terms can be applied by location to reflect differing exposures across facilities or delivery operations.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • US Territories:
    Puerto Rico
  • Provider Type:
    Managing General Underwriter
  • Admitted:
    Most Available States
  • Carriers:
  • Carrier Ratings:
    A XV
  • Commission:
    12.5% Package, 10% Auto, 8% Umbrella, 5% Workers Compensation
  • Min Premium:
    No Minimum Premium

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AGENCY LICENSING

We will quote business with no Brokerage Agreement; upon placement of business we will require our standard Brokerage agreement to be completed
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WDPG Insurance Program has other insurance programs like Gas Distributors Insurance.