Oil & gas
Energy risk is placed as a structured programme, not as a set of policies. The values are large enough that reinsurance capacity, local content rules and contractual obligations all shape what is achievable.
The risks we see
What actually goes wrong in this sector.
Catastrophic single events
Low frequency, extremely high severity. Programme design matters more than premium comparison.
Environmental liability
Pollution and clean-up costs can dwarf the physical damage that caused them.
Contractor interfaces
Complex contractor chains create disputes over who carries which risk, usually discovered after a loss.
Business interruption at scale
Production downtime is often the largest component of the loss, well ahead of the physical damage.
Cover that responds
What we would look at placing.
A starting point, not a recommendation. What you actually need depends on how you operate, and that is a conversation.
Oil & Gas Insurance
Property, control of well and operational exposure.
Customised Corporate Risk Solutions
Programme structure across the operation.
Public Liability Insurance
Third-party and environmental liability.
Engineering Insurance
Plant, machinery and construction works.
Group Life Insurance
Personnel, including offshore and high-hazard roles.
Gaps we find when we review existing policies
If you already have cover, start here.
These are the things we most often find missing when we read a policy in this sector. Any one of them is worth checking today, whether or not you ever speak to us.
- Contractual risk allocation not matched by the insurance actually in place
- Business interruption values understated relative to production economics
- Local content requirements not reflected in how the programme is placed
- Certificates of insurance not maintained across the contractor chain