Energy - Property

Energy Liability

Kinsale’s Energy Division offers Primary Commercial General Liability along with Pollution and Professional Liability offerings for your small to midsize Energy risks. Our underwriting focus is on oil & gas (onshore/offshore), alternative energy, mining, and power exposures.

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Energy – Control of Well

Kinsale’s Energy Division offers Control of Well coverage. Middle market energy companies can receive protection from a variety of costs associated with operating wells.

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Policy Structure:

• Capacity up to $3M TIV
• Primary coverage for fixed property (ground-up only) & mobile equipment
• Option to include business interruption, BPP, & stock & inventory
• Scheduled, leased & rented, & unscheduled or miscellaneous equipment options
• Additional coverages available, including pollutant cleanup, rental reimbursement, debris removal, newly acquired property, & preservation of property options

Minimum Premium:

• $2,500
• BPP only: $1,000

Submission Requirements:

• Signed & dated applications, including OLP supplemental application
• Up-to-date equipment schedule
• Property Statement of Value (SOV)
• Five-year currently valued company loss runs
• Website information or brochure

• How does Energy Property insurance differ from Commercial Property insurance?

  Energy Property insurance provides tailored commercial property coverage for the unique and often complex risks associated with the energy sector, including specialized equipment coverages and specific environmental liabilities that may be excluded from standard property policies.

• What is covered by Kinsale's Energy Property insurance?

  Kinsale’s Energy Division provides specialized property protection for ground-up fixed property and mobile equipment with a focus on small to midsize Energy operators, contractors, and businesses working in traditional oil & gas, solar and wind, power generation, and more.

  We offer:

  • Primary coverage for fixed property (ground-up only) & mobile equipment with limits up to $3M
  • Business Interruption (BI), Business Personal Property (BPP), & stock & inventory coverages
  • Scheduled, leased & rented, & unscheduled or miscellaneous equipment options
  • Additional coverage options such as pollutant cleanup, rental reimbursement, debris removal, newly acquired property, & preservation of property

  Our Energy Property coverage is written as primary standalone insurance and can be complemented with additional Energy products like Control of Well and Commercial General Liability.

• Is Kinsale's Energy Property insurance available for classes outside of oil & gas property risks?

  Yes! We will consider property risks across all segments of the energy sector, including but not limited to traditional oil & gas, renewable energy, traditional power, and mining.

• Will Kinsale consider both the equipment portion and the fixed property portion of a property schedule?

  Yes. Our Energy Property team will consider both equipment and fixed property for the same insured. We can also put them both on the same policy schedule, which is unique in our space.

• What are some of the top occupancies where Kinsale sees unique wins or successes?

  We write coverage for a wide range of classes, ranging from mobile equipment at an oil field to solar panels on a commercial building. Our goal is to find solutions for what you submit, and our flexible, creative underwriting approach helps ensure that even accounts with hard-to-place characteristics can find customized solutions.

  Top classes currently include: 

  • BPP-only
  • Biodiesel refineries
  • Solar panels
  • Above ground storage tanks
  • Fuel/propane dealers/terminals
  • LROs with energy tenants

  Visit our blog to see a list of recent Energy wins, including highlights from both Energy Property and Control of Well products.

• Does Kinsale offer wildfire coverage in California?

  Yes, we can consider wildfire coverage in California. Send your submission to eg@kinsaleins.com to discuss the options!

• What is Kinsale's coastal wind appetite for Energy Property coverage?

  For the coastline spanning from Houston, Texas, up through Baltimore, Maryland, we exclude coverage for any property within 10 miles of the coast, with the exception of Florida and Louisiana.

  Louisiana and Florida are subject to distinct, stricter guidelines due to their heightened Catastrophe (CAT) exposure:

  • Louisiana (LA): We exclude wind coverage properties located south of Interstate 10 (I-10) and Interstate 12 (I-12).

  • Florida (FL):

    • We exclude wind coverage for properties within 10 miles of the coast.
    • For properties situated further than 10 miles from the coast, a Wind Minimum Premium of $37,500 applies.

• Are there any properties that your team will NOT consider?

  We typically exclude saltwater disposal wells, offshore property, drilling and downhole equipment (unless coverage is just needed while it is being stored offsite), and storage tanks with a capacity greater than 10,000 barrels.

• What are your maximum item and/or building values?

  Our maximum single item value for mobile equipment is $750,000 TIV. Our maximum single value limit for fixed buildings or property is $3M TIV.

• Does Kinsale offer Excess Energy Property coverage?

  No, we are typically primary ground-up only. However, we have offered a loss limit in certain circumstances, so if your account needs additional options, we are always happy to discuss.