Pipeline work carries exposures that standard contractors never face — excavation in hazardous environments, pressurized systems, H2S gas, and pollution liability that can hit seven figures in a single incident. We build coverage programs purpose-built for oil, gas, water, and sewer pipeline crews.
From oil and gas gathering systems to municipal water main installation, pipeline work spans many trades — each with unique liability exposures. Here's who we cover.
You install and maintain crude oil, natural gas, and petroleum product transmission lines. H2S exposure, pressurized systems, and spill liability demand CPL coverage standard GL won't touch.
Municipal water main, sewer line, and storm drain installation crews. Excavation damage to third-party utilities, trench collapse, and contamination events are your core liability exposure.
Integrity inspection, pigging operations, valve replacement, and line purging crews. Working on live systems means every shift carries significant liability risk for leaks and releases.
Horizontal directional drilling under roads, waterways, and existing infrastructure. Inadvertent returns, utility strikes, and frac-out events require specialized pollution and GL coverage.
In-line inspection (ILI), inline video, and integrity assessment companies. Your inspection reports carry professional liability exposure if a missed defect leads to a failure or release.
Tie-in welders, hot-tap crews, and specialty welding operations on oil, gas, and water lines. Fire, explosion, and burn injury liability requires robust GL and Workers' Comp coverage.
A complete insurance program for pipeline contractors — from pollution liability to heavy equipment to the CDL fleet that moves your crew and pipe.
The foundation of every pipeline contractor's insurance program. Covers third-party bodily injury and property damage on job sites — but does not cover pollution events without CPL.
The most critical coverage for pipeline contractors. Standard GL excludes pollution — CPL fills that gap for fuel spills, H2S releases, hydrostatic test water discharge, and soil contamination.
Pipeline crews face some of the highest Workers' Comp injury rates in construction — excavation, confined space, pressurized systems, and heavy equipment. Coverage is mandatory in nearly every state.
Your CDL trucks, pickup trucks, service vans, and support vehicles on public roads need commercial auto coverage. We write fleets ranging from 2 trucks to 200+.
Inland Marine coverage for excavators, boring machines, pipe fusion equipment, welding rigs, and specialty tools — whether on-site, in transit, or in storage.
Oil and gas operators routinely require $5M–$10M in total liability. Umbrella coverage sits above your GL and CPL to reach those limits at a fraction of the standalone cost.
Broader than Tools & Equipment — Inland Marine covers pipe inventory in transit, temporary structures, and specialized pipeline contractor property across job sites and in storage.
A pipeline contractor is excavating a right-of-way for a new natural gas distribution line. As-built drawings provided by the project owner show no obstructions in the dig zone. During excavation, the crew's track hoe punctures an unmarked, decommissioned petroleum line that was never documented in the utility records.
Diesel fuel escapes into the surrounding soil and migrates into a nearby creek within 48 hours. The state environmental agency issues an emergency cleanup order. Third-party property owners downstream file claims for contamination of irrigation water and livestock loss. Total environmental remediation and third-party settlement costs reach $780,000.
Without Contractor's Pollution Liability: The standard GL policy's pollution exclusion denies the entire claim. The contractor is personally liable for all remediation costs, regulatory fines, and third-party judgments.
With CPL coverage: The Contractor's Pollution Liability policy responds — covering the emergency cleanup, soil and groundwater remediation, third-party bodily injury and property damage claims, and regulatory defense costs. The contractor's business survives.
Most generalist brokers struggle to place CPL for pipeline contractors — they don't know the right carriers, the right classification codes, or what operators actually require. We do.
Contractor's Pollution Liability for pipeline work is a specialty market. We work with admitted and E&S carriers that understand excavation risk, HDD operations, and pipeline-specific pollution events.
We know what midstream companies, major oil operators, and municipalities require in certificates — additional insured language, waivers of subrogation, primary/non-contributory wording, notice of cancellation.
Pipeline contractors work across state lines — right-of-way projects cross jurisdictions constantly. We're licensed nationally and handle multi-state coverage programs without gaps.
Pipeline claim events are large — pollution remediation alone can exceed $1M. Your coverage must be backed by financially strong carriers rated A or better by AM Best that actually pay claims.
Pipeline construction classification codes are difficult — many carriers won't write them. We know which markets accept pipeline Workers' Comp and how to present your safety record to get competitive rates.
You work with a licensed professional who understands what you do — not a call center, not a portal. We answer real questions about coverage before you bind a policy and send crews into the field.
The questions we hear most from pipeline contractors and pipeliners, answered directly.