Energy (Renewable & Non-Renewable)

Built for the energy operations that power rural America.
Republic Insurance Group provides specialized insurance and risk management solutions for rural and small-town energy operations—protecting mineral owners, operators, service companies, and renewable energy projects where exposure is real, margins matter, and downtime is costly.

Experience with upstream, midstream, and service operations
Coverage structured for contracts, landowners, and regulators
Risk management and claims advocacy for complex energy losses

We specialize in independent, rural, and privately held energy operations, including:

Mineral owners and non-operating interest holders
Non-operator working interest owners
Small and mid-sized independent E&P companies
Oilfield service and specialty contractors
Hauling, water transfer, and trucking companies
Compression, treating, and small processing facilities
Saltwater disposal (SWD) and injection facilities
Solar farms and community solar projects
Wind farms and landowner-based renewable projects

If your energy income depends on land access, contracts, equipment, and compliance, insurance must be built around those realities.

Core Risks in Rural Energy Operations

Where exposure actually lives

Energy risk in rural markets looks different than large corporate operations and often includes:

Pollution and environmental liability
Wellsite, lease, and landowner exposure
Contractual indemnity and additional insured requirements
Heavy vehicle and hauling losses
Equipment breakdown and downtime
Property damage to third-party land
Regulatory scrutiny and reporting requirements
Weather-driven operational loss

Our role is to structure coverage that aligns with contracts, ownership interests, and operational responsibility.

Core Coverage Solutions

General Liability

Lease and wellsite operations
Premises and operations liability
Products and completed operations
Contractual liability alignment

Pollution & Environmental Liability

Sudden and gradual pollution events
Cleanup, remediation, and third-party claims
Transportation-related pollution exposure
Often critical for service, hauling, and processing operations

Commercial Auto & Fleet

Oilfield service trucks and pickups
Hauling, water transfer, and transport fleets
Heavy and specialty vehicles
Hired and non-owned auto exposure

Property & Equipment

Lease equipment and infrastructure
Processing, compression, and treating facilities
Tanks, separators, and related assets
Business interruption and extra expense

Workers’ Compensation

Field operations and service crews
Trade-specific classifications
Multi-site exposure management

Umbrella & Excess Liability

Added protection over GL, auto, and pollution
Often required by operators or landowners

Specialized Energy Coverages

Based on your position in the energy chain, we may recommend:

Operator’s Extra Expense (OEE) – well control and blowout response
Non-Operator Liability – for working interest holders
Control of Well Coverage – upstream operations
Contractors Pollution Liability (CPL) – service and remediation companies
Inland Marine / Equipment Floater – mobile energy equipment
Cyber Liability – SCADA, operational systems, and payment exposure
Surety & Regulatory Bonds – required by states and agencies

Renewable Energy

Renewable energy projects in rural areas introduce property, liability, and contractual risks often overlooked.

We insure:

Ground-mounted solar farms
Community and utility-scale solar projects
Wind farms and turbine operations
Landowner-leased renewable projects
Operations & maintenance contractors

Coverage considerations include:

Property and equipment damage
Business interruption and revenue loss
Landowner and neighboring property liability
Construction-to-operation transition exposure
Equipment breakdown and grid interconnection risk

Why Republic Insurance Group

Energy insurance fails when coverage doesn’t match contracts, ownership roles, and operational responsibility.

Our approach:

1. Role & exposure mapping
We determine whether you’re an owner, operator, contractor, or service provider.

2. Contract review & alignment
Insurance structured to satisfy MSAs, JOAs, and landowner agreements.

3. Coverage coordination
Liability, pollution, auto, property, and umbrella designed together.

4. Claims advocacy
Hands-on support for environmental, vehicle, or catastrophic losses.

What clients value most:

Understanding of non-operator and service exposure
Clear explanation of complex coverage
Coverage that stands up under contract review

Common energy accounts we service

Mineral and royalty owners
Non-operated working interest owners
Independent oil & gas producers
Oilfield service and specialty contractors
Energy hauling and transport companies
Small gas processing and compression facilities
Solar and wind farm operators
Energy-related landholding entities

Frequently Asked Questions

1) Do mineral owners and non-operators really need insurance?
Often yes. Contractual and landowner liability can create exposure even without daily operations.

2) Is pollution coverage necessary for service companies?
In many cases, absolutely. One spill allegation can be catastrophic.

3) How does insurance differ for operators vs non-operators?
Operators face operational and well control risk; non-operators face contractual and ownership exposure.

4) Are hauling companies considered high-risk?
Yes. Auto, pollution, and contract requirements make coverage structure critical.

5) Can renewable projects be insured like traditional property?
Not exactly. Grid connection, revenue loss, and equipment risk must be addressed.

6) How often should energy coverage be reviewed?
Annually, and anytime contracts, acreage, or operations change.

Insurance built for the energy that fuels America

From mineral owners and oilfield service companies to solar and wind projects, Republic Insurance Group delivers insurance solutions designed for real-world energy risk.

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