Figures are rounded down from production-tracker totals.
Three segments. Three different loss pictures.
Each has its own perils, its own contract shape and its own page.
Upstream
Operators, lease operators and drilling contractors. Control of well, blowout and pollution, high-value downhole assets, heavy fleets and hazard-group-F workers compensation.
Read the programMidstream
Gathering, compression, pipelines, processing and storage. Pipeline rupture, sudden and gradual pollution, business interruption, contractual liability and high-limit umbrella towers.
Read the programOilfield Services
Well servicing, workover, wireline, pumping, water hauling, disposal, roustabout crews, equipment rental and oilfield machinery. Action-over claims, MSA risk transfer, fleet and produced-water pollution.
Read the programSix things that happen before, during and after the placement.
An energy program is won on the work around the policy: what the market already thinks of the account, what the master service agreement actually says, and whether the certificate clears the gate. This is the order we do it in.
- 01Before the first meeting
Market Position Check
We call the carriers that write your class and ask a short set of questions: do they recognize the account, have they seen it, quoted it or written it, and have they done loss control on it. Then we hand you what the market said. It turns the first conversation from a price discussion into a read on how your program is actually perceived by the people who underwrite it.
- 02Before you sign
MSA and contract review
We read the master service agreement first: the indemnity against the Texas and Oklahoma oilfield anti-indemnity statutes, whether the knock-for-knock is balanced or leaves you carrying the operator's people, and what the additional insured, primary and non-contributory and waiver of subrogation wording actually requires of your policy. Where the operator's requirements and your program disagree, we take it up with their risk manager rather than issue a certificate that does not comply.
- 03Built line by line
Program design and placement
Coverage is placed against the exposures the contract and the operations create: control of well sized to the deepest well you work, pollution that covers produced water and drilling fluids, auto written for a heavy fleet on lease roads, and excess in layered towers where the contract demands high limits. The markets are the specialty carriers built for this business, named below.
- 04Built for the gate, not the file
Certificates and prequalification
A certificate exists so a crew gets on location. Ours are issued against the operator's requirements with the endorsements they ask for, and we support the ISNetworld, Avetta, Veriforce and PEC submissions that decide whether a contractor is approved to work at all.
- 05The numbers the operator scores you on
Loss control, EMR and TRIR
Prequalification systems score the experience modification rate and the total recordable incident rate, so those two numbers decide who gets on the pad as much as the premium does. We manage the experience mod, support the safety program behind the TRIR, and track both between renewals.
- 06When something goes wrong
Claims advocacy
Call us first. We open the claim with the carrier, ask for an adjuster who has worked oilfield losses, and stay on it through resolution. A reservation of rights letter gets read line by line and answered where the policy supports a different position.
Coverage we write
- Commercial general liability, with contractual liability and additional insured for master service agreements
- Control of well and operators extra expense, including redrilling, seepage, pollution, cleanup and containment
- Energy property, rig physical damage, contractors equipment and inland marine
- Pollution liability, site and contractors, including produced water and drilling fluids
- Commercial auto for heavy and oilfield fleets, including hired and non-owned
- Excess and umbrella liability in layered towers
- Workers compensation, Texas subscriber and non-subscriber, with USL&H where operations are over water
- Business interruption and contingent business interruption
- Performance and bid bonds
Risk management we deliver
- Master service agreement and contract review, including anti-indemnity statutes and knock-for-knock analysis
- Contractual risk transfer program design and subcontractor certificate compliance
- ISNetworld, Avetta, Veriforce and PEC compliance support
- Certificate issuance built for job-site access, not for filing
- Loss control, safety program support and experience modification management
- Claims advocacy with adjusters who have worked oilfield losses
The class codes that decide what oilfield work costs to insure.
Workers compensation premium is payroll times a rate, and the rate comes from the class code. Oilfield payroll lands in the wrong code often, in both directions. These are the codes that carry an energy account's payroll, what each one is meant to hold, and where payroll drifts.
| Code | What it is meant to hold | Where payroll drifts |
|---|---|---|
| 6216Oil or gas lease work NOC — by specialist contractor & drivers | The broad code for contract work on a producing lease: roustabout crews, lease maintenance, and most field services performed for an operator under a service agreement. | Because it is broad, it collects payroll from operations that have their own code. Drivers who only haul and technicians who only work in the yard are the usual drift. |
| 1320Oil or gas lease operator — all operations & drivers | The operator's own people on producing leases: pumpers, gaugers, lease supervisors and the field staff who keep wells producing. | Contract crews working the same lease are not 1320. They belong in their employer's contractor code. |
| 1321Texas — oil or gas production, including saltwater disposal and compressor stations | Texas payroll for production operations, including saltwater disposal and natural gas compressor station work. Texas keeps its own classification manual, so production work can carry a different code across the state line. | An Oklahoma program extended into Texas without the Texas payroll being re-classed. |
| 6235Oil or gas well — drilling or redrilling & drivers | Drilling contractors and rig crews, from spud to release. | The rate is built for drilling exposure, so nothing that is not drilling belongs in it. |
| 6237Oil or gas well — instrument logging or survey work & drivers | Wireline, logging and survey crews. | Wireline payroll parked in the drilling code or the lease-work code pays a rate built for a different exposure. |
| 7219Trucking NOC — all employees & drivers | Water hauling, crude hauling, hot-shot and equipment transport when hauling is the operation. | The line between a driver who hauls and a crew that works the lease is where audit disputes tend to start. The records have to show who did which. |
| 8107Machinery dealer NOC — store or yard & drivers | Oilfield equipment and machinery dealers: the counter, the yard and delivery. | Field technicians who service equipment on location are doing something other than yard work, and their payroll is often moved at audit. |
When a code is wrong it costs one of two ways: an audit bill for the difference, or years of overpaying for work that belongs in a lower-rated class.
Codes are assigned at audit under NCCI rules, or the Texas manual for Texas payroll, and the practical test is whether your payroll records can show who did what. We split payroll by operation before the policy is written, so the records show who did what before an auditor asks.
Class descriptions are summarized from the NCCI and Texas classification manuals for orientation. The carrier's premium audit assigns the final classification.
The markets we place with
Energy programs are placed with the specialty markets built for this business, including Berkley Oil & Gas, Kinsale, Amwins, Chubb, Travelers, The Hartford, NAICO, Texas Mutual, Admiral, Arch Specialty, Aspen, General Star and Everest, alongside more than forty carriers writing across the book.
Permian Basin and the Mid-Continent.
- Midland
- Odessa
- Big Spring
- Andrews
- Pecos
- Monahans
- Oklahoma
Serving operators and oilfield service companies out of Midland, Odessa, Big Spring, Andrews, Pecos and Monahans across the Permian Basin — and the Mid-Continent across Oklahoma.
Licensed in Oklahoma, Texas, Kansas, Arkansas and Missouri.
Bill Ward — Energy Advisor
- President & CEO, Superior Midstream
- Past Chairman, GPA Midstream Association
- BBA, Sam Houston State University
Bill Ward serves as energy advisor to Clear View Insurance. He is President and Chief Executive Officer of Superior Midstream and previously served as Senior Vice President of Commercial Activity at Superior Pipeline Company. He is a past Chairman of the Board of the GPA Midstream Association and holds a BBA from Sam Houston State University.
Previous to Superior Midstream, Ward held upstream leader positions with Devon Energy and Burlington Resources.
Oil and gas insurance, answered.
Do you write oil and gas insurance in Texas as well as Oklahoma?
Yes. Clear View places energy programs across the Permian Basin and the Mid-Continent, for operators and oilfield service companies working out of Midland, Odessa, Big Spring, Andrews, Pecos and Monahans as well as across Oklahoma. The agency is based in Moore, Oklahoma and is licensed in Oklahoma, Texas, Kansas, Arkansas and Missouri.
What is a Market Position Check?
It is the first thing we do on a new energy account. Before the first real meeting we call the carriers that write your class and ask whether they recognize the account, whether they have quoted or written it, and whether they have done loss control on it. You get what the market said before anyone talks about price.
What should I send for a program review?
Your current declarations pages, loss runs if you have them, the master service agreements you work under, and the certificate requirements your operators send. Send what you have. The review covers the program, the MSAs and certificate compliance, with no obligation and no sales call unless you ask for one.
Do you review master service agreements before we sign?
Yes, and before you sign is the point. We read the indemnity against the Texas and Oklahoma oilfield anti-indemnity statutes, check whether the knock-for-knock is balanced, and confirm the additional insured, primary and non-contributory and waiver wording is something your policy can actually deliver. Where it is not, we take it up with the operator's risk manager rather than issue a certificate that does not comply.
Do you handle ISNetworld, Avetta, Veriforce and PEC?
Yes. Prequalification is part of the program rather than an afterthought: we support the submissions, keep the insurance section current, and issue certificates written to clear the operator's requirements. The experience mod and the recordable incident rate those systems score are managed with the same attention as the premium.
Do you write Texas non-subscriber programs?
Yes. Workers compensation is written for Texas subscribers and non-subscribers, with USL&H added where operations are over water, alongside the rest of the program.
Which carriers do you place energy programs with?
The specialty markets built for this business, including Berkley Oil & Gas, Kinsale, Amwins, Chubb, Travelers, The Hartford, NAICO, Texas Mutual, Admiral, Arch Specialty, Aspen, General Star and Everest, alongside more than forty carriers writing across the book.
What is control of well insurance?
Control of well, also written as operators extra expense, is the coverage that responds when a well gets away from the operator: the cost of regaining control, redrilling or restoring the well, and the seepage, pollution, cleanup and containment that follow a blowout. The limit is sized to the deepest well you work rather than to a default.
Send us the dec pages. We will tell you what is missing.
A working review of your current program, your MSAs and your certificate compliance. No obligation, and no sales call unless you ask for one.
Schedule with Erick Cummings.
Director of Commercial Lines