Insurance for water hauling, transfer and disposal operations.

Produced water is a pollution exposure on the lease, on the road and at the disposal site. Programs for haulers, transfer crews and disposal operators are built around that fact, with fleet auto written for tankers and pollution that names produced water.

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Who this is for

The operations this program is built around.

Water hauling
Water transfer
Flowback and water transfer
Saltwater disposal

The losses that shape the program

Name the peril first. The coverage follows.

Produced-water spills

A release from a tanker, a transfer line or a frac tank is a pollution claim first. Pollution liability that names produced water and drilling fluids is the line the program is built around.

Tanker fleets on lease roads

Loaded tankers on lease roads and highways carry a heavy-fleet auto exposure. Commercial auto for heavy and oilfield fleets, including hired and non-owned, is written for it.

The disposal site

Injection facilities, tank batteries and the transfer equipment around them: site pollution, property, and business interruption for the time a well is shut in.

Transfer line failures

Lay-flat and hard-line runs cross leases, roads and creeks. A failure is a pollution event and a third-party property claim at once.

Class codes at audit

Water hauling payroll splits between trucking and lease work depending on what the crew does. It is split by operation before the policy is written, with records that show who did which.

Contract terms

Hauling and disposal agreements carry indemnity and certificate requirements like any MSA. They get read before signing.

Coverage

Coverage we write for water & disposal

Commercial general liability, with contractual liability and additional insured for master service agreements
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

See the full coverage list

Beyond the policy

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

Common questions

Water & Disposal questions, answered.

Is a saltwater spill covered by general liability?

Not by the standard form. General liability excludes pollution, so a produced-water release from a tanker or a transfer line needs pollution liability written for it, including the cleanup. Programs here are built with contractors pollution that names produced water and drilling fluids.

What class code applies to water hauling?

It depends on what the crew does. Hauling as the operation sits in the trucking code, 7219; crews doing lease work around the water sit in lease work, 6216; and Texas production payroll, including saltwater disposal, can carry its own Texas code. The records have to show who did which. The class code guide on the oil and gas overview page covers each of these.

Do you write disposal well operators?

Yes. Disposal and injection facilities are written with site pollution, property for the facility and its equipment, business interruption for the time a well is shut in, and workers compensation and auto for the crews and the trucks that feed it.

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Program review

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.

Ready when you are

Schedule with Erick Cummings.

Director of Commercial Lines