Heating Oil And Gas Provider Insurance In Pennsylvania
One summer holiday, a heating oil company replaced an oil tank in the basement of an old home. Two weeks later they went back and filled the tank after the
owner called because she had no hot water and the boiler had stopped running. It was later discovered that the line from the tank to the boiler went
through a dirt crawlspace and the pipe was corroded leaking fuel oil into the soil. The estimated fuel dispersed into the soil was over 400 gallons. The
total cost of the cleanup exceeded $400,000.
Recently, a propane company sent a service technician to look over a customer’s system when the customer complained that the heating system had no gas. The
technician went to the basement to check the system. Not knowing that there was a leak in the line to the home and that the dirt in the basement had
scrubbed the odorant, the technician began servicing the unit, caused a spark and an explosion ripped through the house. The technician died in the
Accidents and exposures of this kind are the risks heating oil and propane companies face on a daily basis. Situations like these require you to make the
right decisions as it relates to your daily operations and how to structure them to handle risks that you face each day.
If you are in the heating oil or propane business, relying on insurance alone to handle risks is not an option. You need
to focus you attention on preventing accidents from happening in the first place if you want any hope of staying in business due to the possible severity of accidents.
Not only are these risks a danger to life and property, it can be a threat to your cash flow generated through heating oil sales and customer base. We
understand that the heating oil industry is under significant competition from other sources of fossil fuels like propane and natural gas. We see loss
control as a way to not only reduce claims, but reduce the negative stigma associated with heating oil. A customer that converts away from heating oil is
lost forever. Where does the industry stand in 10 years if nothing is done to prevent accidents that promote the negatives of heating oil?
Identifying this problem is only the start. We go beyond just understanding the risks facing the heating oil business but have also sought out and
recommend programs that address your problems and concerns.
At Robertson Insurance & Risk Management, utilizing a multi-facated approach to handling risk is the only way we fell we are properly addressing the
needs of our heating oil and propane delivery customers. Our dedication to our clients’ success focuses on the following:
1. We employ industry specific carriers that understand your industry. The benefits to you are insurance products and claims resources that match your
unique business exposures.
2. We utilize in-house legal counsel to review contracts and provide guidance in ways you can transfer the risk back to your customers or other responsible parties for their
3. We develop and provide training resources through our on-line portal, our in-house training and industry specific loss control visits tailored to the
needs of your business.
4. We work with our clients to develop and help implement pollution spill contingency planning. We maintain successful partnerships with a select group of best-in-class, third-party business to deal with spills and successfully obtain Act 2 clearance by PA DEP on an accelerated time frame, thereby reducing the overall cost of a
We understand the risks associated with heating oil and propane sales and service companies. We are successful in meeting the needs of our clients through
products, services and know-how to reduce claims and exposures. Give us a call today to schedule an Business Risk Review so we can introduce you to our
apprach that will positively affect your bottom line.