Commercial Auto Insurance for Natural Gas Contractors

No. Tools and equipment are not covered under commercial auto policies. You need a separate Tools & Equipment / Inland Marine policy for coverage on tools and equipment in your vehicles.

Hired auto covers vehicles you rent or lease temporarily. Non-owned auto covers vehicles owned personally by employees when used for business purposes. Both are important for gas contractors whose crews may use personal vehicles for job site travel.

We insure natural gas service contractors, gas distribution contractors, intrastate pipeline contractors, gas appliance hookup technicians, meter set crews, gas gathering system contractors, and related trade contractors who work with natural gas as their primary scope of work.

Contractor Pollution Liability (CPL) covers cleanup costs and third-party damages from pollution conditions arising from your gas contractor operations — including gas migration, leaks, indoor accumulation events, and underground releases. Standard GL policies exclude most pollution events, making CPL essential for natural gas contractors.

For most natural gas contractor risks, we can quote in 15 minutes and deliver a certificate of insurance the same day after binding. Electronic delivery is available for utility companies, municipalities, and general contractors.

General Liability (GL) covers bodily injury and property damage from your operations — for example, a customer tripping over your equipment. Contractor Pollution Liability (CPL) is triggered by a pollution condition — for example, a gas migration event that causes property damage or a health claim to a neighboring homeowner. Gas contractors typically need both.

Yes. We write license bonds, permit bonds, performance bonds, and payment bonds for natural gas contractors. These are frequently required by state utility commissions, municipalities, and private utility companies as a condition of doing regulated gas work.

Yes. Our programs are designed for contractors who work across state lines — GL and CPL policies can be endorsed for all states where you operate, and WC can be written with coverage in multiple states.

We place with Markel, James River Insurance, Philadelphia Insurance Companies, Houston Casualty Company, Nationwide, Berkley One, and other A-rated specialty and E&S carriers with dedicated natural gas contractor programs.

To quote your program, we need: business name and years in operation, states where you work, scope of gas contractor operations (service lines, distribution mains, appliance hookups, etc.), annual revenue and payroll, fleet description, and 3-5 years of loss history. Most quotes are returned in 15 minutes.

Yes, in many cases. Prior CPL claims are underwritten on a case-by-case basis. We access E&S markets with higher risk tolerance for gas contractor risks with loss history. Provide full details of prior claims and we'll work to find a market.

Natural gas contractor GL premiums vary widely based on your annual revenue, scope of work, states of operation, and loss history. Small gas service contractors may pay $2,500–$6,000 annually for GL. Larger pipeline contractors may pay $15,000–$50,000 or more. CPL, WC, and umbrella are priced separately.

A commercial umbrella policy provides excess liability coverage above your GL, auto, and employer's liability limits. Many utility companies and municipalities require gas contractors to carry $2M–$5M in umbrella coverage. We can structure your umbrella to sit on top of all primary lines.

Yes. We regularly insure multi-trade contractors for whom natural gas work is a primary line. We'll structure the GL and CPL to cover all your scopes of work under one program.

Yes, we recommend CPL even for appliance hookup contractors. Gas migration from a faulty hookup can trigger a pollution condition — and standard GL will deny those claims. CPL is relatively affordable and provides critical protection.

A performance bond guarantees that you'll complete a contracted project according to its terms. Gas contractors bidding on utility projects or municipal gas distribution work are commonly required to post performance bonds. We work with surety companies to issue bonds quickly, often within 24–48 hours of a complete application.

Additional insured endorsements are standard practice in the gas contracting industry. When you bind with us, we'll automatically add any required additional insureds — utility companies, project owners, general contractors — to your GL and CPL policies.

Most GL and CPL policies are written on a 12-month policy period with annual renewal. Multi-year options may be available for larger accounts with stable loss history.

In many cases, yes. If you have an active policy with us, we can often add locations or projects same-day. For new clients, we work to bind within the same business day for most standard risks.