The U.S. Risk Energy Insurance Program is built for land-based oil and gas businesses operating across the United States. Offered through U.S. Risk Insurance Group, Inc.’s specialized Energy Underwriting Division, this program gives agents flexible, market-accessible solutions for a variety of energy operations. With a focused underwriting team and placement access to more than 10 specialty markets, U.S. Risk helps agents structure terms for complex or hard-to-place energy accounts.
Ideal Accounts and Appetite
This program targets a wide range of land-based energy risks, including:
- Operators and non-operators
- Drilling contractors
- Well servicing contractors
- Other supporting oilfield service providers
Typical fits include single-state contractors up to multi-state service firms. The program is focused on conventional oilfield exposures rather than offshore, pipeline-only operations, or upstream companies with highly unusual pollution histories.
Coverage Highlights and Advantages
U.S. Risk provides core liability protections commonly required by owners and operators:
- General Liability: Primary limits of $1,000,000 per occurrence / $2,000,000 aggregate
- Umbrella / Excess Liability: Up to $5,000,000, with access to additional excess capacity up to $10,000,000
- Automobile Liability: $1,000,000 combined single limit
Coverage is placed on a Surplus Lines basis to allow tailored terms, specialized forms, and flexible pricing for the unique exposures energy accounts present.
Underwriting Notes and Market Access
As a Managing General Underwriter (MGU), U.S. Risk combines dedicated underwriting expertise with access to more than 10 specialty markets that write energy business. Underwriters work directly with agents to evaluate operations, loss history, controls, and contract requirements to find the best market fit and structure appropriate limits and endorsements.
Typical underwriting considerations include operational scope (drilling vs. service), distance between sites, equipment exposure, drivers and auto exposure, and safety programs. Accounts with significant pollution history, large offshore exposure, or unusual contractual liabilities may require referral or alternate markets.
Territories and Availability
The Energy Insurance Program is available nationwide in most states, including TX, OK, CO, LA, ND, and many others. U.S. Risk writes business in all 50 states plus Washington, D.C., making this a strong option for clients with multi-state operations.
Why Work With U.S. Risk Insurance Group, Inc.?
U.S. Risk offers niche energy underwriting backed by:
- Specialized underwriters who understand oil and gas operational exposures
- Access to a broad panel of over 10 markets for competitive placement options
- Flexible Surplus Lines capacity to craft terms for complex risks
- Nationwide availability and experience placing land-based energy accounts
If you’re an agent placing contractors, operators, or other oilfield service providers, U.S. Risk provides market access and underwriting support to get accounts bound.
Example scenarios you might place here:
- A Texas-based drilling contractor seeking GL and auto limits to meet a landowner contract across multiple counties.
- A regional well servicing company with operations in three states that needs a coordinated surplus lines placement and excess capacity.
Need help placing an account?
Connect with a market specialist.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program fits land-based oil and gas operators, drilling contractors, well servicing firms, and related service providers with conventional onshore exposures.
Is this program available in my state?
Yes. The Energy Insurance Program is available in most U.S. states, including TX, OK, ND, LA, CO, and many others. U.S. Risk writes in all 50 states and Washington, D.C.
What coverages are available under this program?
Available coverages include General Liability, Umbrella/Excess Liability, and Automobile Liability, all typically written on a Surplus Lines basis to allow flexible terms and forms.
Can I access multiple markets through U.S. Risk?
Yes. U.S. Risk has access to over 10 specialty markets that focus on energy risks, giving agents more options for placing business and structuring excess capacity.
Who handles the underwriting for this program?
U.S. Risk's dedicated Energy Underwriting Division handles underwriting, offering sector-specific expertise and a responsive placement process for energy accounts.