General Liability and Umbrella

Industry experience matters

General Liability and Umbrella Insurance

Our clients recognize the importance of the expertise we provide and appreciate the opportunity to work with professionals who understand their business. We are committed to delivering innovative products and exceptional service to them and our partner agents.

We use customized insuring agreements and incorporate key coverages required by contract, eliminating the confusion caused by adding numerous endorsements to a standardized policy. Our forms address the needs of the energy industry.

The following are some of the standard coverage highlights included in our forms:

General Liability Coverage and Features

  • “Knock-for-Knock” Indemnity language
  • Time-Element Pollution Coverage resulting from an Eligible Pollution Incident – 30 day discovery/90 day reporting with a 120 day reporting period for NOWI owners
  • Blanket Additional Insured as required by written contract
  • Blanket Waivers of Subrogation as required by written contract
  • Primary and Non-contributory
  • Insured Contract definition does not limit to “tort” and includes MSA’s and JOA’s
  • Coverage Territory includes US Lease Blocks and state waters
  • $1,000,000 Pollution Clean Up Costs (subject to the Occurrence Limit) at Oil or Gas Lease Sites (as defined in the policy)
  • Notice and Knowledge of Occurrence
  • Separation of Insureds
  • Underground Resources and Equipment coverage – No sublimit
  • Indemnitee defense expense as supplementary payments
  • Supplementary Control of Well Expenses of Insureds arising out of a producing well on dry land (up to $50,000)
  • Pollution Control & Mitigation Program

Umbrella (per policy wording) – Limits up to $25,000,000

  • Blanket Waivers of Subrogation as required by written contract
  • Primary and Non-contributory
  • Insured Contract definition does not limit to “tort” and includes MSA’s and JOA’s
  • Worldwide Coverage Territory
  • Time-Element Pollution Coverage resulting from an Eligible Pollution Incident – 30 day discovery/90 day reporting with a 120 day reporting period for NOWI owners
  • Notice and Knowledge of Occurrence
  • Separation of Insureds