General Liability
The foundation of a commercial program. It responds when your operations injure someone or damage their property, and most leases, contracts, and job specs require it.
Read the guide →Who we work with
Coverage for energy operators.
Operators with heavy equipment, environmental exposure, and contracts that demand precise coverage.
Every account runs on the same visible process: your coverage mapped in plain English, your pricing explained, and every service request tracked from intake to resolution.
Coverage lines to look at first
Where energy programs usually start.
Which lines you actually need depends on your operations and contracts. If a line doesn't fit your business, we'll say so.
Workers Compensation
Medical costs and lost wages for employees injured at work, plus employer's liability. Required for most Utah employers, usually from your first hire.
Read the guide →Business Auto
Liability and physical damage for the vehicles your business runs on, including employees driving their own cars on company business.
Read the guide →Umbrella
Extra limits stacked above your general liability, auto, and employer's liability, for the catastrophic claim your primary limits can't absorb.
Read the guide →This page is general information, not advice about your specific situation, and not a quote, binder, or contract of insurance. Actual coverage is governed solely by the terms, conditions, and exclusions of the issued policy.
Worth reading
Plain-English guides for energy.
Loss runs: your insurance credit report
Every underwriter reads your claims history before pricing you. What they see in it, how to get yours, and how to keep it clean.
Read · 2 min →When a million isn't enough
Umbrella and excess liability sit above your primary policies for the claims that blow through them. How it works and when it earns its keep.
Read · 2 min →Why we ask for supplemental applications
The clearer the picture we paint for underwriters, the better your coverage and pricing. Vague submissions get defensive quotes.
Read · 2 min →