Overview of the Program from WDPG Insurance Program
WDPG Insurance Program offers a targeted Gas Distributors Insurance product designed for brokers and agents placing accounts that handle industrial, medical and specialty gases. Underwritten by Chartis and managed by WDPG as a Managing General Underwriter, this program blends industry-specific coverage options with flexible billing and competitive terms. The program is positioned to address risks unique to gas distribution—from escaped gas and hostile fire exposures to pollution cleanup and crisis response.
Ideal Accounts and Appetite
This program is appropriate for a range of gas-related operations, including:
- Industrial and medical gas distributors
- Acetylene manufacturing and supply operations
- Companies that deliver or transport compressed gases (including cylinder fleets)
- Facilities with on-site filling, cylinder testing and storage
WDPG generally favors accounts with documented safety procedures, current cylinder handling programs, and maintenance records. Accounts with large-scale chemical processing, heavy hydrocarbon refining, or significant underground pipeline operations may require specialized placement and are considered on a case-by-case basis.
Coverage Highlights and Advantages
- Tailored Gas Distributors policy forms addressing escaped gas, hostile fire, and first-party cleanup costs
- Enhanced pollution and contaminant cleanup coverage, including limited crisis response
- Broad form auto pollution coverage for vehicle exposures while transporting cylinders and gas products
- Options for industrial and medical gas exposures, and specific accommodations for acetylene manufacturing
- Direct bill plan to simplify premium collection
- Access to admitted paper in most states with Chartis capacity
Underwriting Notes and Minimum Premiums
WDPG looks for clear information on operations, loss history, safety programs, and exposure controls. Typical submission requirements include ACORD applications, loss runs (preferably 5 years), cylinder inventories, and a brief description of operations and safety procedures.
Minimum premium: No Minimum Premium. Pricing is competency-based and depends on exposure, limits, and loss history rather than a hard minimum premium threshold.
Territories and Availability
Admitted paper is available in most states. The program is available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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. For territories not listed or specific non-admitted options, contact WDPG for guidance.
Why Work With WDPG on Gas Distributors Business
As an MGA focused on gas-related risks, WDPG combines underwriting expertise with Chartis capacity to offer products tailored for distributors and manufacturers of gases. Agents benefit from industry-aware underwriting, flexible billing options, and coverage forms crafted for the exposures typical to gas handling, transportation, and storage.
Example account scenarios
- You have a regional medical gas supplier with a mixed fleet of delivery vehicles and a cylinder refill station — WDPG can evaluate fleet pollution exposure and cylinder-handling exposures together under one program.
- A small acetylene manufacturer with established safety protocols needs coverage for on-site operations and third-party liability arising from escaped gas events — this program can provide specialized limits and cleanup extensions.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Gas distributors, medical and industrial gas suppliers, acetylene manufacturers, and businesses that refill, store, or transport compressed gases are ideal candidates. Accounts with documented safety programs and reasonable loss histories are preferred.
Is pollution and cleanup for escaped gas included?
Yes. The program includes enhanced coverage options for cleanup of pollutants and escaped gas, and offers broad form auto pollution coverage for transportation exposures. Specific limits and terms depend on underwriting review.
In which states is this program available and is it admitted?
The program is admitted in most available states (see the full list in the storefront). WDPG places admitted paper through Chartis in the majority of U.S. states; contact the MGA for state-specific availability.
What submission documents should I include?
Provide a completed application (ACORD where applicable), five years of loss runs, a description of operations, cylinder inventories, safety protocols and any relevant training or inspection records to expedite underwriting.
Are there minimum premiums or special billing options?
There is no minimum premium. The program supports a direct bill plan to simplify premium collection and can discuss payment options during placement.
Need help placing an account? Connect with a market specialist.