Liability     Business Automobile Liability General Liability Excess or Umbrella Liability Pollution Liability Property Control of Well Marine Cargo Commercial Property Oil Lease Property Boiler & Machinery Gas Plant Physical Damage Pipeline Physical Damage Speciality Business Interruption Contingent Business Interruption Plugging & Abandonment Liability Specialty Tools Coverage (including down hole equipment) International Risks Internet Liability Aircraft Liability Product Liability Professional Liability Trade Credit Terrorism Ranch & Farmland Liability Workers Compensation Workers Compensation Employers Liability

Pollution Gradual Seepage & Pollution Liability Pollution Legal Liability Pollution Liability Executive Protection Directors & Officers Liability Personal Directors Liability Employers’ Practices Liability Crime (employee dishonesty) Fiduciary Liability Kidnap & Ransom Offshore Platform/Property Hull & Machinery Longshore and Workers’ Compensation Maritime Employer’s Liability Protection and Indemnity Charterer’s Legal Liability Oil Spill Financial Responsibility Platform Business Interruption Foreign Risks Political Risks Business Travel Kidnap & Ransom International Risks

Liability

Business Automobile Liability
Designed to pay sums insured legally must pay as damages because of bodily injury or property damage caused by an accident and resulting from the ownership, maintenance or use of covered autos.

General Liability
Policy affords legal liability protection by agreeing to pay and defend against claims by third parties based on bodily injury and property damage.

Excess or Umbrella Liability
Will pay sums insured is obligated to pay by reason of legal or contractual liability for damages due to bodily injury and property damage in excess of limits afforded by the scheduled underlying coverages or the retained limit.

Pollution Liability
Provides coverage for bodily injury, property damage and clean-up costs as a result of a pollution incident from a designated site. This coverage may be offered on a claims-made basis.

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Property

Control of Well
Policy is designed to pay costs involved in controlling a well out of control; redrilling a well to the depth reached prior to the well being out of control; costs for clean-up and containment & damages due to contamination and pollution. Coverage also afforded for legal liability and contractual assumption for damage to property in your care, custody or control and subject to policy conditions and exclusions

Marine Cargo
Protects the insured from those risks attached from the time cargo becomes at the assured’s risk or responsibility and continues while cargo is in transit until final delivery to intended destination and/or until the assured’s responsibility ceases, whichever comes first.

Commercial Property
Insures against “all risks” of direct physical loss to described buildings, office contents, electronic equipment and components own by, leased to or in the control of the insured. Policy may also include coverage for loss to valuable papers at schedule location and policy pays for the costs of reproduction of documents. This policy does not cover equipment at an oil lease site.

Oil Lease Property
Insures against “all risk” physical loss damage to scheduled property that is located at an oil lease site (example: compressors, separators, filters, tank battery, etc.)

Boiler & Machinery
Policy covers damage caused by: mechanical breakdown, including rupture or bursting by centrifugal force; explosion of steam boilers, steam pipes, steam engines, or steam turbines; and artificially generated electrical current including electrical arcing.

Gas Plant Physical Damage
Insures against “all risk” physical loss or damage to scheduled property subject to specific exclusions.

Pipeline Physical Damage
Insures against “all risk” physical loss or damage to scheduled property per the policy conditions.

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Specialty

Business Interruption
To limit loss of earnings due to business interruption, most companies obtain insurance coverage to compensate them for the inherent financial consequences. Business Interruption is an exposure common to all businesses regardless of type or size. Loss of critical functions caused by natural or manmade hazards such as terrorism, fires and explosions, earthquakes, windstorms, bomb threats, hazardous waste spills, workplace fatalities, and product tampering, among others, can impact your company’s ability to operate.

Contingent Business Interruption
Similar to Business Interruption coverage, Contingent Business Interruption provides protection when your business relies heavily on one source and that source suffers a loss of critical functions caused by natural or manmade hazards such as terrorism, fires and explosions, earthquakes, windstorms, bomb threats, hazardous waste spills, workplace fatalities, and product tampering. This loss may impact your company’s ability to operate without the use of that source.

Plugging & Abandonment Liability
Designed to offset major up-front costs associated with placing bonds and/or LOCs in relation to the estimated P&A exposure. Allows purchaser the opportunity to place money into an experience account that funds an insurance policy acting as an over-run layer.

Specialty Tools Coverage (including down hole equipment)
Policy pays those sums insured is legally obligated to pay for loss or damage to specialty drilling equipment which has been leased to or rented to insured for drilling a “horizontal” or directional oil or gas well.

International Risks
Provides coverage for legal liability due to bodily injury or property damage caused by an occurrence resulting from the insured’s operations outside the U.S. or Canada. Foreign Workers Compensation and Employers Liability includes standard employee protection along with repatriation expenses.

Internet Liability
Anyone with a Web site now has the legal liabilities of a publisher and your exposures are unique. Internet Liability Insurance has been specifically developed to address the emerging Internet liability exposures of privately owned companies. Privately owned companies that venture onto the World Wide Web face liability exposures that are emerging, evolving and complex.

Aircraft Liability
Policy affords coverage for claims Insured is legally obligated to pay because of bodily injury or property damage arising out of the ownership or operation of an owned or non-owned aircraft.

Products Liability
Unique liability challenges exist for businesses in relation to the manufacture, sale, and distribution of products in the oil & gas industry. This includes warranty issues relating to the performance of the products.

Professional Liability
This coverage protects engineers, geologists, or other professionals against errors or omissions in services performed for other than their employer.

Trade Credit
Help companies manage the risk of customers’ insolvency or payment default. With trade credit insurance, companies can increase sales growth by extending additional credit to approved customers and new buyers, while reducing the risk of nonpayment. In addition, companies can also benefit from more favorable bank financing by assigning the insured’s accounts receivables as collateral.

Terrorism
To indemnify insured for any loss with respect to any certified act for political or terrorist purposes.

Ranch & Farmland Liability
Policy affords legal liability protection by agreeing to pay and defend against claims by third parties based on bodily injury and property damage on scheduled land.

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Workers’ Compensation

Workers’ Compensation
Pays for compensation benefits required by law including medical expenses, loss of income and death benefits.

Employers’ Liability
Protects the employer for claims that fall outside requirements of state laws including claims by employees who reject statutory benefits and by exempt employees.

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Pollution

Gradual Seepage & Pollution Liability
Affords legal liability for bodily injury and property damage as a result of gradual pollution.

Pollution Legal Liability
Covers pre-existing and unknown conditions up to a specified limit and for a predetermined term. This coverage is typically required by the seller to avoid any chance of subrogation if a loss occurs and it is determined that the loss originated prior to the closing date.

Pollution Liability
Pollution Liability provides coverage for bodily injury, property damage and clean-up costs as a result of a pollution incident from a designated site. This coverage may be offered on a claims-made basis.

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Executive Protection

Directors & officers Liability
A. Insurer will pay on behalf of the directors or officers all losses which the directors or officers either individually or collectively shall be legally obligated to pay, for a wrongful act.
B. Insurer will reimburse Insured for all loss which Insured is required to indemnify, or for which insured has to the extent permitted by law indemnified the directors or officers either individually or collectively for a wrongful act.

Personal Directors Liability
Policy provides coverage to independent directors for certain losses not indemnified by their companies or paid by other Directors and Officers Liability Insurance. Policy is designed to be excess of the D&O policies provided by the boards on which the director serves and can be tailored to cover one, all, or any combination of boards on which a director serves.

Employment Practices Liability
Protects employer and employees against claims for wrongful discharge, sexual harassment or discrimination.

Crime (Employee dishonesty)
Affords coverage for loss of money, securities & other property resulting from dishonest acts committed by an employee acting alone or with others occurring during the policy period. Policy can also meet bonding requirements of ERISA.

Fiduciary Liability
Covers claims made against an insured for any loss sustained because of a breach of fiduciary duty as defined by ERISA.

Kidnap & Ransom
Business kidnapping and extortion risks are not limited to just global companies. Any company of any size can be a target for kidnappers or extortionists, whether domestically or abroad. Managing the costs associated with such risks can push a small to midsize company to its financial limits. K&R packages include insurance, risk management information, and immediate access to security consultants.

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Offshore

Platforms / Property
All risks of direct physical damage to scheduled property consisting of offshore oil/gas drilling, exploration or production installations and scheduled pipelines.

Hull & Machinery
Named peril physical damage to scheduled vessels including specified equipment as afforded by the American Institute Hull Clauses.

Longshore and Workers’ Compensation Act (LSHWA)
LSHWA provides medical and wage benefits to employees (other than seamen) whose work is maritime in nature and is performed on or near navigable United States waters.

Maritime Employer’s Liability
Policy will indemnify insured for sums insured is legally liable to pay as damages for bodily injury by accident or disease including death sustained by an employee arising from maritime operations subject to policy conditions and exclusions.

Protection & Indemnity
Policy will indemnify insured as owners of the insured vessels for liability for bodily injury; damage to other vessels and their property; damage to fixed or movable objects; debris removal and other specified expenses.

Charterer’s Legal Liability
Policy will pay for losses incurred by the insured as charterers of vessels with respect to liabilities from third parties other than owners of the chartered vessels. Coverage also applies to liabilities to owners of the chartered vessels for reimbursement of claims brought against them by third parties as well as damage to the vessel while it is chartered, subject to policy conditions and exclusions.

Oil Spill Financial Responsibility
Provides coverage to the assured as a designated applicant of covered offshore facilities for liability under various sections of the Oil Pollution Act of 1990 (OPA 90) and includes protection for removal costs and damages caused by oil discharges from oil and gas exploration and production facilities and associated pipelines. The rule applies to the Outer Continental Shelf (OCS), State waters seaward of the line of ordinary low water along that portion of the coast that is in direct contact with the open sea and certain coastal inland waters.

Platform Business Interruption
Affords coverage for actual loss sustained resulting from a total or partial interruption of business caused by an insured accident as well as reasonable expenses incurred to reduce or avert the interruption of business.

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Foreign Risks

Political Risks
Provides coverage for financial loss due to the actions of the foreign government including wrongful calling of guarantee, war, third-party blockade, selective discrimination, forced project relocation forced divestiture, forced abandonment, currency inconvertibility, contract frustration, civil war and insurrection, deprivation, expropriatory conduct, political violence and non-repossession.

Business Travel
Coverages designed to pay for personal accident and sickness in foreign countries as well as third-party bodily injury and property damage.

Kidnap & Ransom
Business kidnapping and extortion risks are not limited to just global companies. Any company of any size can be a target for kidnappers or extortionists, whether domestically or abroad. Managing the costs associated with such risks can push a small to midsize company to its financial limits. K&R packages include insurance, risk management information, and immediate access to security consultants.

International Risks
Provides coverage for legal liability due to bodily injury or property damage caused by an occurrence resulting from the insured’s operations outside the U.S. or Canada. Foreign Workers Compensation and Employers Liability includes standard employee protection along with repatriation expenses.

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