Propane, Fuels, Chemicals & Lubricants

Propane, Fuels, Chemicals & Lubricants Insurance

Built for hazardous materials, tight margins, and zero tolerance for mistakes.
Republic Insurance Group delivers specialized insurance and risk management solutions for propane dealers, fuel distributors, chemical handlers, and lubricant suppliers—designed for rural and regional operations where safety, compliance, and reputation are everything.

Coverage structured for hazardous materials exposure
Experience with DOT, NFPA, and environmental risk
Claims advocacy for severe, high-impact incidents

Hazardous material operations across rural America

We work with owner-operated and regional distribution businesses, including:

Propane retailers and bulk plant operators
Residential, agricultural, and commercial propane suppliers
Fuel distributors (gasoline, diesel, heating oil)
Farm fuel and co-op operations
Chemical distributors and handlers
Lubricant and oil distributors
Bulk storage and terminal operations
Delivery, transport, and service companies

If you store, transport, or deliver hazardous materials, insurance must be designed around severity risk and regulatory scrutiny.

Core Coverage Solutions

Coverage built for hazardous operations

General Liability

Premises and operations liability
Product and completed operations
Coverage aligned with contracts and customer agreements

Pollution & Environmental Liability

Sudden and gradual pollution events
Cleanup, remediation, and third-party claims
Transportation-related pollution exposure
Often critical for fuel, chemical, and lubricant operations

Commercial Auto & Fleet

Propane bobtails and fuel delivery trucks
Tankers and transport vehicles
Hired and non-owned auto exposure
DOT-aware underwriting

Property & Equipment

Bulk plants, terminals, and storage facilities
Tanks, cylinders, pumps, and compressors
Fire suppression and safety equipment
Business interruption and extra expense

Workers’ Compensation

Drivers, technicians, and plant personnel
Proper classification for hazardous work
Employer liability coordination

Umbrella & Excess Liability

Additional limits over auto, liability, and pollution
Often required by contracts and regulators

Specialty Coverages & Considerations

Depending on operations, we may recommend:

Hazardous Materials Auto Endorsements
Products Pollution Liability
Tank & Cylinder Floater Coverage
Equipment Breakdown – compressors, pumps, and controls
Cyber Liability – dispatch systems and billing platforms
Crime Coverage – fuel theft and employee dishonesty
Surety & Regulatory Bonds – state and federal requirements

Where exposure is highest

Propane, fuel, and chemical operations face low-frequency, high-severity risk, including:

Fire, explosion, and catastrophic property loss
Environmental contamination and cleanup liability
Auto accidents involving hazardous materials
Product liability and misdelivery incidents
Equipment failure at bulk plants and storage sites
Employee injury in high-risk environments
Regulatory fines, shutdowns, and investigations
Reputational damage following incidents

Our focus is preventing one loss from becoming a business-ending event.

Why Republic Insurance Group

A severity-first approach to hazardous materials insurance

Insurance fails in this space when advisors underestimate blast radius, cleanup cost, and public scrutiny.

Our approach:

1. Facility & fleet review
Storage, delivery, safety systems, and equipment.

2. Contract & compliance alignment
Coverage structured to satisfy customer, supplier, and regulatory requirements.

3. Coverage architecture
Auto, liability, pollution, property, and umbrella designed together.

4. Claims advocacy
Hands-on support during environmental or catastrophic losses.

What clients value most:

Advisors who understand hazardous exposure
Coverage that stands up after serious incidents
Long-term market access protection

What helps us move efficiently

To prepare a quote or risk review, we typically request:

Description of materials handled
Facility locations and storage capacities
Fleet schedule and delivery radius
Safety and compliance programs
Employee roles and payroll
Prior 5-year loss history
Current policies and renewal dates

Frequently Asked Questions

1) Is pollution coverage really necessary?
In most cases, yes. Cleanup costs alone can exceed general liability limits.

2) Are propane explosions covered under standard liability?
Coverage depends heavily on policy structure and exclusions.

3) Does auto liability cover environmental damage?
Often not without pollution endorsements or separate policies.

4) How do claims affect future insurability?
Severe losses can restrict market access for years.

5) Do small rural operations face the same risk as large distributors?
Yes. Severity doesn’t scale down with size.

6) How often should coverage be reviewed?
At least annually, or whenever storage, fleet, or materials change.

Insurance built for risk that energizes America

From propane dealers and fuel distributors to chemical and lubricant suppliers, Republic Insurance Group delivers insurance solutions designed for hazardous operations and long-term resilience.