Natural Gas Distributors

An insurance program for the natural gas distribution industry.

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Developed in 1988 by natural gas industry specialists, the Natural Gas Distributors insurance program has been designed to address the unique exposures of publicly owned or investor owned natural gas utilities. Water, sewer and electric distribution utilities can also be written in conjunction with a natural gas system.


Eligibility Requirements

The Natural Gas Distributors insurance program is designed for publicly owned and investor owned natural gas utilities. Utilities that operate peak shaving plants, propane service and natural gas appliance sales/installation are eligible for the program. Companies engaged in natural gas distribution may be eligible.

We can consider these incidental operations in conjunction with Natural Gas Distribution:

  • Electric Distribution
  • Natural Gas Transmission & Distribution
  • Propane (subject to program guidelines)
  • Sewerage Systems
  • Water Supply

Ineligible Operations

Utility Contractors


This program is available in all states.


  • Automobile
  • Equipment Breakdown
  • General Liability
  • Inland Marine
  • Pipeline Coverage
  • Property
  • Public Officials Liability
  • D&O
  • Railroad Protective Liability (CG2147)
  • Excess
  • EPLI

Coverage is provided on an admitted basis unless otherwise indicated.

Available Enhancements

  • Short Term Pollution Event coverage (not available in NY, PA, or VT)
  • Failure to Supply   
    - Policy limit resulting from a sudden and accidental occurrence  
    - $250,000 sublimit resulting from other than sudden and accidental occurrence     
    (not available in NY, PA, or VT)
  • Unscheduled Regulator Stations and Odorization Units - $25,000 per occ/$50,000 max
  • Tank Leakage - $25,000 per occ/$50,000 max
  • Erroneous Delivery of Liquid Products - $25,000 per occ/$50,000 max
  • Business Interruption and Extra Expense coverage including Contract Penalty coverage - $25,000 per occ/$50,000 max

Submission Requirements

  • Natural Gas Distributors Supplemental Questionnaire - This is REQUIRED with a submission and MUST be signed by the insured.
  • Completed Business Income worksheet required if requested limit exceeds $500,000 (per location) and/or writing coverage on an Agreed Amount basis
  • Completed industry standard application for each line of coverage desired
  • 5 years of currently valued carrier loss runs including explanation of any claims over $10,000
  • 3 years of DOT (PHMSA F 7100 1.1) reports
  • 3 years of leak cap reports
  • Updated driver information

Please send submissions to:

*This is intended as a brief overview of the coverages offered.  Please ask for complete copies of policies for a full description of coverage.

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