Utilities, Industrial, Petrochemical

Energy drives our nation forward. It’s a critical industry where challenging risks abound and clients demand a deep understanding of their operations. We have specialized knowledge, extensive experience and an in depth understanding of the challenges and unique insurance requirements of the Energy Industry. That’s why agents and brokers turn to WestCongress to address their Energy insurance needs.

Our program specializes in niche segments within the Oil and Gas, Utilities, Industrial, Petrochemical and Mining space. Our focus is on contractors across all Energy segments and owners and operators in the upstream Oil and Gas and Mining segments. We offer Commercial General Liability and Excess Liability coverage, as well as a wide array of coverage enhancements.

Program Highlights:

  • Nationwide coverage (Ex. Alaska) – domestic Surplus Lines carrier (A-VIII AM Best)
  • Tailored coverages to meet or exceed industry requirements
  • Centralized submission, processing, placement and servicing
  • Broad risk appetite
  • Broad coverage available including combined GL/CPL/EO forms
  • Competitive premiums

Target Segments:
We target small to middle market risks in the Utility, Industrial, Petrochemical segment:

  • Contractors – Facilities Maintenance and Service Contractors

Eligible Classes/Operations
Contractors

  • Equipment installation, servicing and repair contractors
  • Plant and facilities maintenance
  • Welding
  • Contractors equipment rental without operator
  • Painting and sandblasting
  • Electrical
  • HVAC
  • Machine shops and fabricators
  • Right-of-Way Service

Coverages
Commercial General Liability

  • Commercial General Liability – $1MM Occurrence/$2MM Aggregate/$5MM Policy Aggregate
  • ISO coverage forms – Including 10/01 Additional Insured forms
  • Manuscript endorsements specifically designed for Utilities, Industrial and Petrochemical risks
  • Waiver of subrogation and primary and non-contributory
  • Per project aggregate

Pollution Coverage

  • S&A/Time Element – Up to 30 day discovery / 90 day reporting
  • Contractors Pollution Liability (Occurrence or Claims Made). Transportation Pollution Liability and Non-Owned Disposal Site Liability coverage available – available on most risks
  • Products Pollution

Professional Liability

  • Limited Professional – Carveback for BI/PD (damage to tangible property)
  • Errors and Omissions (Claims Made) – Available on most risks

Commercial Excess Liability

  • Commercial Excess Liability – $5MM Occurrence/$5MM Aggregate
  • Follow form above primary GL detailed above as well as AL, EL
  • Available on a supported lead, unsupported lead, mid-excess or high excess position

Insured Retention

  • Deductible or SIR available. Minimum: $2,500 Per Claim or Per Occurrence