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Much like energy resources themselves, the insurance marketplace for energy-sector businesses has abundant capacity. There is, however, upward pressure generally on rates in 2019, and some tightening in excess liability coverages specifically. To obtain the broadest coverage at optimal pricing, retail agents and their insureds should approach the marketplace in a strategic way and explore options for structuring their energy insurance programs.

Action-over claims can result in significant and unexpected liability for business owners, and these claims may not be covered by all commercial general liability (CGL) policies. For insurance professionals and their insureds, not only can an uncovered loss damage relationships, but it also can lead to litigation.