Insurance for Fuel Oil Dealers, Propane Dealers

Available in all 50 states!

You keep our homes warm and our economy flowing. We specialize in insurance for fuel oil dealers and propane dealers alike. In partnership with our clients, we developed broad coverages and offer them at industry-leading prices. As an independent insurance agency, we know the strengths of our carriers and will quote your insurance with those suited for your needs.

Key Features

Our unique model

• Extensive risk management support. We offer risk assessments to identify hazards before they become claims. Reduce exposure, reduce claims, and save on fuel oil dealer insurance premiums.
• Dedicated Account Managers: Our business model is unique. Your service is our top priority. Each client obtains the email address of their specific account manager and is provided a phone number that rings right on their desk. We do not operate a call center.
• In-house Claims Advocates: In the unfortunate event of a claim, we staff specially trained insurance agents to guide you through the process. They are your advocate with the insurance company and help strive for a speedy, fair resolution.
• Business Resources: Gain access to business tools and resources to help your organization run safely, efficiently, and profitably.

Qualifying Business Operations

• Fuel oil dealers
• 100% propane dealers
• Combinations of the above
• Convenience stores owned and operated by such organizations
• Wholesale petroleum and LPG dealers
• Delivery to bulk lubricant dealers

Insurance Offerings

• Property: buildings, contents, stock, business income
• Equipment: mobile and fixed, pipes and fixtures, tank farms, lost income
• Liability: general and umbrella, pollution
• Business Auto / Truck
• Workers Compensation
• Employee Benefits: Group health, life, disability, vision, and dental
• View All…

Fueling Our Clients

We developed our fuel oil dealer insurance program in partnership with our clients. We contract with the leading fuel oil and propane insurance carriers in the country. Each has unique offerings and strengths to help you through the toughest of times.

One of our client’s biggest concerns is a pollution event. A big spill can be more than a mere headache. Coordinating emergency cleanup and satisfying angry customers at the same time is impossible. Add to the mix the need to comply with environmental agencies and satisfy their oversight and reporting demands. Utica National is one of several carriers specializing in insurance for fuel oil/propane dealers. Their solution to such an event is the FILL program, handling the entire cleanup process. It helps your business comply and survive, with its reputation intact. Should a pollution even occur, their FILL program jumps into action:

• Initial spill response: They make all required regulatory notifications and arrange immediate cleanup by a local remediator.
• On-site spill management: An on-site project manager is dispatched to analyze the event and its impact. Your manager also monitors cleanup so it is complete and cost-effective. They act as your representative to all local, state, and federal authorities.
• Spill follow-up: FILL files reports required by regulatory agencies, reviews all remedial invoices for fairness, and works to defend against unfounded or exaggerated claims.
• From the onset, it’s all under control.

Insurance Coverages

Your physical plant represents a large capital investment. Protect all your assets, whether buildings, inventory, tanks, or equipment.

• Buildings, contents, inventory, and stock
• Product contamination by surface water run-off
• Business Income and Extra Expense
• Business Income from dependent properties
• Storage tanks, above and below ground, plus pipes, fittings, and attached equipment
• Mobile equipment
• Customer property in your care
• Terminal access cards: protection against lost or stolen cards

Customized insurance for fuel oil dealers and propane dealers that addresses their unique risks.

• General Liability
• Umbrella Liability: Additional coverage for claims over and above the limits afforded by general liability, auto liability, and workers compensation. Can optionally include pollution coverage.
• Crucial spill / pollution liability
• Professional spill management
• Automatic fill liability: Covers bodily injury and property damage losses resulting from inability or omission to fulfill an automatic fill agreement.
• Heating system repair operations
• Blanket waiver of subrogation
• Misdelivery of liquid products
• Unloading and loading protection

Truck and auto insurance for propane dealers/fuel oil dealers that delivers more than traditional protections.

• Delivery trucks, semi tractors and trailers, all service vehicles
• Liability and physical damage
• Hired and non-owned liability available for use of vehicles you don’t own, such as those occastionally rented or borrowed.
• Hired auto physical damage
• Non-owned liability for employee vehicles occasionally used for business purposes, such as business errands.
• Driver training support, including training videos.
• Auto business income. Protection should your business operate income-critical vehicles, the disablement of which would result in a reduction of income.
• Pollution liability, including accidental discharge of pollutants from a covered truck.

Quality coverage, low rates, and fast service. We deliver.

Workers compensation insurance for fuel oil dealers and propane dealers.

• Acceptable Exposures
  • Delivery drivers
  • Managers
  • HVAC repair
  • Clerical
  • Outside sales
  • All other
• High experience modifications
• Solutions
  • Traditional, guaranteed cost
  • High deductible plans
  • Captives
  • Self-insured groups
  • Retrospective rating plans
• Worksite safety programs
• Modmaster ® experience modification reviews: Many overpay for workers compensation due to experience computation errors. We can check if your experience modification is calculated accurately

Further Resources

• Bobtail Operation: Delivering Propane Safelyopens PDF file
• The SPCC and Oil Spill Preventionopens PDF file
• Liability at Bulk Fuel Storage Locationsopens PDF file
• Driver Program Guidelinesopens PDF file
• Sample Driver Qualification File Checklistopens PDF file
• Available to our clients upon request:
  • SPCC Templates
  • Risk summary checklists
  • Complete Employee Safety Manual
  • Employee Handbook, tailorable to your business needs
  • Drug-free Workplace Policy

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At Bankers Insurance, the client is always in control.

Why Bankers Insurance?

Anyone can be an order-taker.  Bankers Insurance is different.

We don’t expect clients to be propane insurance experts. Take advantage of our experience. We can explain options and help you determine coverage that suits your needs.

As your insurance agent, we strive to know you. Only then can we suggest coverage that fits your specific business. We look for coverage gaps and offer protection. With us, you get the benefit of: