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Amwins Program Underwriters' Natural Gas Distributors insurance program is designed to cover the specific exposures faced by the natural gas distribution industry. The program is managed by insurance and risk management professionals who understand utility operations and the unique risks utilities face. Overview of the Program from Amwins Underwriting The Natural Gas Distributors program places utility-related accounts — with a primary emphasis on natural gas distribution — into a specialized market administered by Amwins Underwriting. The program offers package solutions across property, liability, automobile and ancillary coverages, backed by carrier capacity such as Markel. Coverage is provided on an admitted basis unless otherwise indicated. Ideal Accounts and Appetite Natural gas transmission & distribution operators without power generation or general contracting exposures (this is the program sweet spot) Municipal and investor-owned gas distribution systems Small to mid-sized propane distributors (subject to program guidelines) Utility-related water supply, sewerage systems, and electric distribution operations Not typically eligible: accounts with on-site power generation, large-scale contracting operations, or significant construction/contractor exposures. Accounts with extensive contracting or non-utility operations should be submitted for prior discussion. Coverage Highlights and Advantages Primary coverages available: Property, General Liability, Automobile, Inland Marine, Pipeline coverage, and Excess liability Specialized options: Equipment breakdown, Railroad protective liability (CG2147), Public officials liability, Directors & Officers (D&O), and EPLI (EPLI not available in CA or LA) Capacity through experienced utility-focused markets; admitted paper in most states Claims handling and underwriting that reflect the operational realities of distribution utilities Eligible Classes / Examples Natural gas distribution system serving a small city or township (no power generation; company operates and maintains mains and service lines) Propane distributor with retail and small commercial deliveries that meets program safety guidelines Regional water supply or sewerage system seeking consolidated property and liability placements Underwriting Notes and Submission Requirements The program requires industry-specific documentation to underwrite accounts accurately. Required items include: Supplemental questionnaire — REQUIRED and MUST be signed by the insured. Completed industry-standard applications, signed by the insured, including detailed property information (construction, occupancy, square footage, age). Business income worksheet if requested limit exceeds $500,000 per location or when writing on an Agreed Amount basis. Five years of currently valued carrier loss runs. Three years of DOT (PHMSA F 7100.1.1) reports. Three years of leak cap reports. Updated driver information for automobile exposures. Please send submissions and the required documentation to: [email protected] Territories and Admitted Status The program is available in most states. Coverage is available in the following jurisdictions: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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. Not available in AK or HI. Coverage is generally offered on an admitted basis in most available states unless otherwise noted. Why Work with Amwins Underwriting on This Business MGA with focused utility underwriting expertise and tailored insurance products for distribution utilities. Access to specialized carriers experienced with utility risk, including Markel. Clear submission requirements and program guidelines that streamline placement for eligible risks. Flexible package options that let you assemble property, liability and specialty coverages under one program. Additional Notes Appetite and limits vary by state and account characteristics. For accounts with mixed operations, contracting, or generation exposures, provide full details up front so underwriters can determine fit. If you have questions about an unusual exposure or borderline account, include an underwriting memo with the submission. Frequently Asked Questions What types of accounts are a good fit for the Natural Gas Distributors program?Good fits are natural gas transmission and distribution operations without power generation or large contracting operations, municipal utilities, water and sewerage systems, and propane distributors that meet program safety guidelines. Is coverage admitted or non-admitted?The program is offered on an admitted basis in most available states. Any exceptions will be noted at quote; check state availability before submitting. What documentation is required with a submission?Required items include a signed supplemental questionnaire, signed industry applications, detailed property information, five years of currently valued loss runs, three years of PHMSA DOT reports, three years of leak cap reports, and updated driver rosters. Are there states where this program is not available?Yes. The program is not available in Alaska (AK) or Hawaii (HI). It is available in the list of states provided in the program storefront. Need help placing an account? Connect with a market specialist.