Natural Gas Distributors

An insurance program for the natural gas distribution industry.

We understand the mechanics and nuances of natural gas distribution risk.

Natural gas distribution market size, measured by revenue, equals $146.6B, and this industry’s growth rate is expected to increase 22.7% in 2021.  We understand the utility industry changes constantly due to new innovations in production resources and increased development of distribution channels.  Natural gas distribution companies have unique exposures inherent to their complex industry that require addressing these exposures in a comprehensive manner.

Developed in 1988 by natural gas industry specialists, Amwins Program UnderwritersNatural Gas Distributors insurance program is designed to address the unique risk exposures of publicly owned and investor owned natural gas utilities, and we’re here to help you accommodate the risk management needs of your utility services clients.


Eligible accounts

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 accounts

Utility contractors


  • Automobile
  • Equipment breakdown
  • General liability
  • Inland marine
  • Pipeline coverage
  • Property
  • Public officials liability
  • D&O
  • Railroad protective liability (CG2147)
  • Excess
  • EPLI (not available in CA or LA)

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

Natural Gas Distributors
Program details



The program is available in all U.S. states, except AK & HI




A.M Best Rated "A"

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:


Contact Us

Kerry Anderson
Assistant Vice President
Amwins Program Underwriters - Portsmouth, NH