Propane, Fuels, Chemicals & Lubricants
Propane and fuel distributors, bulk plants, chemical and lubricant distributors and their delivery fleets.
Understanding the risk
Distribution of hazardous products combines fleet, products, environmental and property exposure in a single operation.
Specialized markets underwrite these businesses closely and expect disciplined documentation.
Who we work with
- Propane distributors
- Fuel and petroleum marketers
- Chemical distributors
- Lubricant distributors
Insurance solutions
Coverages frequently involved in these programs. Structure depends on the operation.
- Products and completed operations
- Pollution liability
- Commercial auto and hazmat
- Property and bulk storage
- Workers' compensation
- Umbrella and excess
Risk management
Beyond placement.
- Delivery and fleet
- Driver qualification, DOT compliance, routing and maintenance documented as controls.
- Installation and service
- Customer tank, appliance and service records reviewed against products exposure.
- Storage and environmental
- Bulk storage, spill response and site conditions matched to pollution coverage.
Claims & loss control
Claims Management & Advocacy- Severity drives this class; records at installation and delivery shape defense.
- Environmental incidents require immediate response coordination.
The Duncan Approach
The same discipline, applied to propane, fuels, chemicals & lubricants.
- 01
Understand
RiskDiagnostic
- 02
Map
Risk Mapping
- 03
Improve
RiskGuard
- 04
Position
Underwriting & Premium Negotiation Strategy
- 05
Transfer
Marketplace Execution
- 06
Manage
Ongoing Risk Management
Where we focus within this practice reflects what tends to matter most to the market and to the operation itself.
- Delivery and fleet
- Driver qualification, DOT compliance, routing and maintenance documented as controls.
- Installation and service
- Customer tank, appliance and service records reviewed against products exposure.
- Storage and environmental
- Bulk storage, spill response and site conditions matched to pollution coverage.
The Duncan Difference
Related RiskThoughts
Industry intelligence covering propane, fuels, chemicals & lubricants is in preparation. RiskThoughts is our research and market-intelligence publication.
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Speak with a risk advisor.
Tell us about your organization, your current insurance program and what prompted you to take another look.