Energy

Energy – Control of Well

Our Control of Well (COW) coverage is designed exclusively to protect oil & gas-related businesses from well-failure expenses. We target small to midsize operators, non-operators, drilling contractors, and well-servicing companies with flexible limits, customizable options, and premiums as low as $5,000.

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Energy – Property

Kinsale’s specialized Energy Property coverage provides protection for ground-up fixed property and mobile equipment across energy-related fields, including traditional oil & gas and alternative energy sectors like solar and wind, power generation, and more.

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Policy Structure:

• $10M excess capacity available through Kinsale’s Excess Casualty Division
• Commercial General Liability & Products/Completed Operations Liability
• ISO Occurrence coverage form
• Additional options, including Time Element Pollution coverage, offshore extensions, & broad AI wording
• Monoline Contractors Pollution Liability (CPL)
• Environmental combined forms are available on most classes, with options for CPL, Transportation Pollution Liability, Non-Owned Disposal Sites, Pollution Legal Liability, & Professional Services Liability in combination with General Liability
• Deductible starts at $2,500 & will be tailored to the individual risk

Minimum Premiums:

• $750 – monoline CPL accounts
• $5,000 – hydroelectric accounts
• $1,500 – all other accounts

Submission Requirements:

• Acceptable Commercial & General Liability applications with a complete description of operations (signed & dated by the insured when bound)
• Supplemental application, where appropriate (signed & dated by the insured when bound)
• Five-year currently valued company loss runs with a description provided for losses over $25,000
• Website information

• What types of Energy insurance products does Kinsale offer?

  Kinsale’s Energy Division offers coverages and underwriting expertise designed to address risks unique to the energy industry. We are a leading provider of customizable excess and surplus (E&S) insurance solution for small to midsize, often hard-to-place Energy risks in oil & gas (onshore/offshore), alternative energy, mining, and power generation.

  Kinsale’s Energy insurance options include:

  • Commercial General Liability
  • Products/Completed Operations Liability
  • A range of Pollution Liability options, including monoline Contractors Pollution Liability (CPL)
  • Professional Liability
  • Excess options available through our Excess Casualty Division

  We also provide additional specialized products, including Control of Well and Property coverages.

• What pollution capabilities does Kinsale's Energy Division have?

  We have numerous pollution liability options, including Time Element Pollution Liability, Contractors Pollution Liability (CPL), Transportation Pollution Liability (TPL), and Site Pollution Liability, also known as Pollution Legal Liability or PLL. We also offer Non-owned Disposal Site (NODS) coverage and Mold coverage.

  Please note that CPL can be offered monoline or as a package with GL.

• Does the Energy team offer TPL for liquid haulers?

  Yes. Our maximum capacity for liquid haulers is $100,000. Full limits are available for non-liquid haulers.

• Are Environmental Combo Policies available at Kinsale?

  Yes. Energy package products are among the only true packages that Kinsale offers. Environmental combined forms are available on most classes, with options for CPL, TPL, NODS, PLL, and Professional Services Liability in combination with General Liability.

• Does Kinsale consider Energy industry consultants, and if so, do you offer Professional Liability?

  Yes. Consultants is the Energy Division’s top class of business, and we frequently offer GL with Professional Liability, as well as General, Professional, and Contractors Pollution Liability combo packages.

• Is Kinsale a market for offshore Energy risks?

  Yes. We can consider up to 100% offshore operations. We can also include offshore forms such as In Rem coverage or Gulf of Mexico coverage territory endorsement even when the exposure is “if any.” Many Gulf of Mexico states use the same contract which requires offshore coverage even when there is no exposure. We do not, however, offer pollution coverage offshore.

• Does the Energy team provide action over coverage?

  Yes. Our Energy Division has the capability to address action over exposure in a few ways: silent, sublimited, or excluded. The characteristics of each risk will determine our approach. We will go out initially with what we think is the best approach, but are always willing to negotiate other options. 

• Does Kinsale write Energy coverage in all 50 states?

  Yes. We write in all 50 states, including some of the more difficult states from a jurisdiction standpoint, such as GA, LA, WV, MO, and NY, and areas that other carriers might exclude, such as tribal lands.

• Does the Energy Division write its own Excess Energy coverage?

  No. Our Excess Casualty Division has a team that specializes in Excess Energy deals. They can sit both supported and unsupported with limits up to $5M. For the fastest turnaround, send your GL submission to our clearance box at eg@kinsaleins.com and then send a separate Excess Energy submission to xc@kinsaleins.com. If you have questions about the Excess quoting process or the quote itself, let your Energy underwriter know, and we can help facilitate.

• My initial quote isn't quite where it needs to be. How can I request a revised quote?

  At Kinsale, the first quote is just the start. Our goal is to make sure your accounts get the coverages they need—and because our underwriters are experienced, creative thinkers, we tend to get it right quickly. But if you ever need to negotiate terms and price, let us know. We’ll work with you.

• I’d like to get a direct appointment with Kinsale. How do I do that?

  If you are a wholesale broker with a surplus license interested in an appointment, the process is simple! The first step is to complete our online Producer Questionnaire.  Once you’ve completed the form and attached the necessary documents, you will be able to provide an e-signature, click “Continue,” and the form will be sent to us automatically.

  Be sure to have the following available to either upload online or email as an attachment: your entity/individual producer license(s) for all states, a copy of your latest financial statement, a Fidelity Declarations plan, and a E&O Declarations page.

  If you are a retail agent, hold a surplus license, and specialize in Energy insurance, our business development manager can review an appointment with you. You can use the link above to complete the questionnaire and someone from our business development team will be in touch!

• There is a lot of information on the website! Is there a point of contact I can reach to further discuss my Energy accounts?

  Yes, for general questions about our products, coverages, or target classes, contact:

  August Berling
  Assistant Vice President, Energy
  (804) 289-1365
  august.berling@kinsaleins.com

  For more information about our specialized Control of Well or Energy Property products, contact:

  Braden Long
  Product Manager, Control of Well & Energy Property
  (804) 289-1268
  braden.long@kinsaleins.com

  Or, if you’re already appointed with Kinsale and would like to request a quote, you can email your submission to eg@kinsaleins.com and one of our underwriters will be in touch.