Operations and contracts
Describe services, locations, equipment and subcontracting. Review contractual insurance requirements against the actual declarations and endorsements; a certificate alone does not change a policy.
Business insurance
Oil and gas insurance
Oil and gas businesses can perform different work, from field services to equipment transport. Identify the actual operations before comparing terms.
Understanding your options
What to know about oil and gas insurance
Oil and gas activities vary substantially by role, worksite and equipment. General liability, property, vehicles, workers and pollution require separate examination; none should be assumed to cover every operation.
What to compare
- Identify whether the business provides field services, transport or another activity.
- Review contracts, additional-insured provisions and policy exclusions.
- Ask explicitly about pollution, equipment and work away from premises.
Coverage, eligibility, limits and exclusions depend on the insurer and policy. Review the actual policy documents before making a decision.
A closer look
How to compare your options
Pollution and liability
Texas insurance guidance notes that general liability policies can contain pollution exclusions and that separate pollution liability coverage may be considered. Compare definitions, exclusions, limits and the specific operations addressed.
Equipment, vehicles and people
Inventory mobile and stationary equipment and identify vehicle use and locations. Workers’ compensation, vehicle coverage and property in transit are distinct issues; their terms depend on the policies.
Before you reach out
A few details can help start the conversation.
- A general description of operations
- Texas locations and equipment categories
- Contract or policy questions; omit incident records and account details
Common questions
Oil and gas insurance FAQ
Does general liability automatically cover pollution?
No. Policies may have pollution exclusions. Review the wording and any separate coverage or endorsement.
Does a certificate of insurance change the policy?
A certificate summarizes information; it does not itself amend policy terms. Review the actual policy and endorsements against the contract.
Are leased tools covered at any worksite?
Do not assume so. Check the property description, ownership, worksite and off-premises terms.
Can one quote apply to every oil and gas business?
No. Work performed, locations, equipment, contracts and insurer eligibility vary by operation.
Start a conversation
Ask about oil and gas insurance.
Share a few basic details and the team can help you take the next step. Please leave sensitive information out of this first message.