Oil & Gas Field Services Insurance Coverage Checklist
The coverages an oil & gas field services business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for well servicing, drilling, roustabout, hauling, and other oilfield service contractors. Priorities reflect typical exposure for this class; confirm against your actual services and contracts.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability (Oilfield Form) | Covers injuries and damage at well sites — confirm it includes underground resources coverage. | Core | |
| Workers' Compensation / Employer's Liability | Covers rig and field crews; add maritime coverage for work over water. | Core | |
| Commercial Auto | Covers crew trucks, hot shots, and fluid haulers driving long distances to leases. | Core | |
| Contractor's Equipment (Inland Marine) | Covers rigs, pumps, rental tools, and equipment at remote sites. | Core | |
| Contractual Liability (MSA Indemnity) | Covers indemnities in master service agreements, within state limits. | Core | |
| Pollution Liability | Covers spills of crude, saltwater, and frac fluid — excluded from most GL. | Prevalent | |
| Underground Resources & Equipment | Covers damage to wells and reservoirs from downhole work. | Prevalent | |
| Control of Well | Needed if you take on well-control obligations under contract. | Situational | |
| Umbrella / Excess Liability | Adds the high limits operators require in MSAs. | Prevalent | |
| Hired & Non-Owned Auto | Covers employees driving personal vehicles to locations. | Situational |
The coverage gap most often missed
The gap most often missed by oilfield contractors is the master service agreement. Operators require contractors to indemnify them, carry high limits, and name them as additional insureds — but state anti-indemnity laws and policy wording decide what actually transfers. Downhole damage to a well or reservoir is excluded unless underground resources coverage is added. Review every MSA with your advisor before signing and confirm your policy matches what it requires.
Send us the checklist and we'll review your oil & gas field services coverage line by line, then market it across multiple carriers that compete for your account.
Related: Oil & Gas Field Services Insurance · Oil & Gas Field Services Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does an oil & gas field services business need?
The core coverages for an oil & gas field services business are General Liability (Oilfield Form), Workers' Compensation / Employer's Liability, Commercial Auto, Contractor's Equipment (Inland Marine), Contractual Liability (MSA Indemnity). This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my oil & gas field services coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.