Petroleum Distribution Insurance Products

• Pollution Liability – Liability coverage on a claims-made basis for cost of site clean up
• Misdelivery of Liquid Products - Coverage for operations which may require further service, maintenance, correction, repair or replacement of performance at the wrong address or because of any error, defect or deficiency
• Automatic Fill / Failure to Supply - “bodily injury” or “property damage” arising out of your failure or omission to keep a customer of yours supplied with fuel oil or liquefied petroleum gas in accordance with your agreement to do so, subject to certain provisions
• Gas and Oil Contamination – Coverage to pay for the contamination of your liquid petroleum products at your premises caused by water
• Pollutant Clean Up and Removal – Expense to extract “pollutants” from land or water at your premises or other locations from your operations or above ground storage tank
• Tank Coverage – Tanks, whether above ground or underground, and their contents, piping, and connections
• Tank Leakage – Loss of liquids from above ground tanks caused by sudden and accidental breakage, failure or malfunction of the tank or its apparatus
• Terminal Access Card Coverage – Loss of business personal property or personal effects and property of others in your care, custody or control, caused by use of a “terminal access card” that has been lost, stolen, or obtained by kidnapping
• Contract Penalty Clause – Contractual penalties you are required to pay to your customers as a result of any clause in your contracts for failure to timely deliver your product according to contract terms. Must result from a direct physical loss or damage to covered property
• Umbrella Liability and Excess Liability Protection – extends an additional layer of protection if your primary liability limits are exceeded due to loss or damages
• Commercial Auto Coverage – covers the company owned vehicles and trucks you or your employees may use in the course of operating your business
• Non-Owned Auto Coverage – covers your liability when the personal vehicle of an employee or temporary staff is driven for business
• Commercial Crime – protects business owners from the costs associated with employee dishonesty, computer and funds transfer, forgery or alteration, money and securities and theft of a client’s property
• Workers Compensation - protecting your workers in the event they are injured on the job. Provides for lost wages, medical expenses, including funeral costs and death benefits. Legal fees are also included should an injured person sue the policyholder
• Cyber - coverage that helps protects against a wide range of cyber risks associated with manufacturing, including industrial control, supervisory control and data acquisition systems and output devices
• Directors and Officers Liability – coverage is customized to help protect the personal assets of a privately owned company's directors and officers and the financial well-being of the company. As a director or an officer of a company, you can be held personally responsible for management decisions
• Professional Liability – protects business owners from the risks you face in delivering your professional services
• International Products – coverage for importing or exporting goods, traveling employees and working with suppliers located in other countries
• Employment Practices Liability – provides coverage and/or defense expenses against claims by employee that their legal rights as employees of your company have been violated
• Workplace Violence Expense – can assist in the unexpected financial costs incurred as a result of a violent event taking place at your business