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Energy P&C Insurance — Victor O. Schinnerer & Company, Inc.
Energy P&C is Victor O. Schinnerer & Company, Inc.’s admitted property & casualty program for energy and utility risks. Underwritten through Arch Insurance Company and administered by Schinnerer as the managing general underwriter, this program bundles core commercial lines tailored for oil, gas and pipeline exposures. Package policies are available to simplify placement for accounts that need multiple coverages under a single policy form.
Program coverages
Auto (fleet and contractor vehicles)
General liability
Crime
Property (locations, leasehold, equipment)
Inland marine (mobile equipment, tools, materials in transit)
Excess liability
Ideal accounts and appetite
This program targets energy-sector operations where admitted placements and a coordinated package are important. Typical fits include:
Upstream and midstream oil & gas operators with owned or leased well sites and related equipment
Pipeline operations — operators, maintenance contractors and right-of-way exposures
Schinnerer’s underwriting focus favors accounts with documented safety programs, routine maintenance records, and clear operational controls. The program is best suited for small to mid-sized operators and contractors whose exposures match the product lines above. Accounts with unusually large environmental liabilities, unresolved regulatory actions, or highly speculative operations may require referral or differenced terms.
Coverage highlights and advantages
Admitted paper (see availability below) with broad form property and GL options designed for energy operations
Ability to package multiple coverages — simplifies billing and claims reporting for insureds
Access to Arch Insurance Company capacity via Schinnerer’s MGA platform
Inland marine and excess layers available to address equipment and catastrophic exposure gaps
Underwriting notes
When submitting, provide:
Loss runs for the past five years
Summary of operations, including number and type of sites, pipeline mileage, and contract work performed
Safety and maintenance programs, permits and regulatory status
Schinnerer underwriters value clear documentation of controls and loss mitigation. Package pricing and limits are determined case-by-case based on operations, limits requested, and loss history.
Territories and availability
The Energy P&C program is offered on admitted paper and is available across the following states:
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.
Why place this business with Victor O. Schinnerer & Company, Inc.
Schinnerer combines program underwriting expertise for energy risks with admitted-market capacity through Arch Insurance Company. Agents benefit from coordinated placement of multiple casualty and property lines, experience handling energy-specific exposures, and streamlined package options when insureds prefer a single policy solution. The MGA relationship allows responsive underwriting decisions on standard energy accounts while preserving admitted paper advantages for your clients.
Example account scenarios
You have a regional pipeline operator with multiple pump stations, company-owned compressor equipment and routine contractor traffic — Energy P&C can provide property, GL and inland marine coverages under an admitted package.
You represent a small exploration firm with several well sites and mobile equipment — the program can combine auto, property and excess liability to consolidate limits and reduce administrative complexity.
Frequently Asked Questions
What types of energy accounts are a good fit for this program?Accounts in oil & gas production, gathering and pipeline operations that need admitted coverage and a multi-line package are the primary target. Small to mid-sized operators and contractors with documented safety programs typically fit best.
Which coverages can I package through Energy P&C?The program can combine auto, general liability, property, inland marine, crime and excess liability. Packages are used to simplify administration and ensure coordinated limits across coverages.
What submission materials does underwriting expect?Provide current loss runs (typically five years), an operations summary (sites, mileage, equipment), and documentation of safety and maintenance programs. These items speed review and improve placement chances.
Need help placing an account? Connect with a market specialist.