Comprehensive Oil & Gas Insurance in Northern Colorado By The Chris Young Agency

Protecting Energy Businesses Across the Rockies and Beyond

From drilling and production to transportation and equipment services, the oil and gas industry powers our economy — but it also carries some of the most complex risks of any business sector.

At The Chris Young Agency, we specialize in helping energy companies across Northern Colorado and surrounding states safeguard their operations, employees, and assets. With nearly 30 years of experience, we understand the unique exposures energy professionals face every day — and how the right insurance solutions can make all the difference.

We proudly serve clients throughout Colorado, New Mexico, Wyoming, Missouri, South Dakota, Texas, Utah, and Arizona, offering tailored coverage and local expertise designed to protect your business at every level.

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1. Why Oil & Gas Insurance Matters

The energy sector operates in a world where even minor incidents can lead to massive financial losses. Fires, equipment failures, blowouts, and pollution claims can interrupt production and put your company’s reputation — and survival — on the line.

Oil and gas insurance provides comprehensive protection, helping companies absorb the cost of accidents, lawsuits, and regulatory requirements. Whether you’re a small contractor or a large production operation, having the right coverage is essential for stability, compliance, and peace of mind.

2. What Oil & Gas Insurance Covers

Every company in the energy industry faces different risks. The Chris Young Agency customizes coverage for a wide range of energy businesses, including drilling contractors, well service providers, and equipment manufacturers.

Here are the core coverages most oil and gas operations need:

General Liability Insurance

Protects against bodily injury and property damage claims related to your operations — on-site, in the field, or at client locations.

Pollution Liability Insurance

Covers cleanup costs, third-party claims, and environmental damage caused by spills or contamination — crucial for regulatory compliance.

Workers’ Compensation

Provides medical and wage benefits for employees injured or made ill on the job — mandatory in most states, including Colorado and Wyoming.

Commercial Auto & Fleet Insurance

Covers vehicles used for hauling equipment, transporting crews, and other business purposes. Protection includes liability, collision, and cargo coverage.

Equipment & Property Coverage

Protects expensive tools, rigs, and machinery from damage, theft, or breakdowns. Includes coverage for leased and rented equipment.

Umbrella & Excess Liability Insurance

Adds an extra layer of protection beyond your standard liability limits — vital for high-risk industries like oil and gas.

Contractors Pollution & Professional Liability

Covers contractors who provide field services or consulting for oil and gas projects. Protects against errors, omissions, and environmental claims.

3. Who Needs Oil & Gas Insurance?

If you work anywhere in the energy supply chain, your business faces risks that standard commercial policies can’t fully address.
We write coverage for:

• Oil and gas contractors
• Pipeline and utility construction companies
• Oilfield service providers
• Equipment manufacturers and distributors
• Tank installers and welders
• Drilling, well-servicing, and exploration operations
• Energy transport and logistics firms
• Renewable and wind-energy companies

Whether you’re managing a single crew or multiple sites across states, The Chris Young Agency can build a protection plan that meets your regulatory, operational, and contractual requirements.

4. The Benefits of Partnering with a Specialized Agency

Not all commercial agents understand the oil and gas industry — and choosing a generalist could leave critical gaps in your coverage. Here’s why working with The Chris Young Agency makes a difference:

• Industry Knowledge: Decades of experience insuring energy operations across Northern Colorado and neighboring states.
• Custom Coverage: Policies tailored to your specific operations, equipment, and risk profile.
• Multi-State Licensing: Coverage that follows your business — from Colorado to Texas to South Dakota.
• Fast Certificates of Insurance (COIs): We understand energy contracts often require proof of coverage on tight deadlines.
• Education-First Approach: We explain your coverage clearly, so you know exactly what’s protected and what’s not.

5. Common Risks in the Oil & Gas Industry

Oil and gas operations face a unique combination of physical, financial, and environmental exposures:

• On-site fires and explosions
• Equipment breakdowns and machinery damage
• Vehicle and transport accidents
• Environmental contamination or pollution events
• Employee injuries
• Property damage to third parties
• Regulatory fines and cleanup obligations

Without specialized protection, any one of these incidents could cause serious financial harm. That’s why having the right mix of coverage — and an experienced agency behind you — is critical.

6. Frequently Asked Questions About Oil & Gas Insurance

Is oil and gas insurance required by law?
Certain coverages are mandatory, such as workers’ compensation and auto liability. Others, like pollution or general liability, are often required by contracts, lenders, and regulatory agencies.

What determines my oil and gas insurance cost?
Your premium depends on factors like company size, annual revenue, type of operations, equipment value, and past claims. The Chris Young Agency will help you balance cost and protection.

Can I get insurance for temporary or project-based work?
Yes. We can structure short-term or “single-shot” project policies to cover individual contracts or seasonal jobs — ideal for contractors and small operators.

Does my policy cover subcontractors?
Not automatically. You’ll need to review your contracts and ensure subcontractors are properly insured. We can help you verify compliance.

7. Why Choose The Chris Young Agency

At The Chris Young Agency, we’re not just insurance brokers — we’re risk advisors. Our team understands the energy industry’s unique needs, from onshore drilling and pipeline projects to oilfield hauling and site preparation.

We don’t believe in cookie-cutter policies. Instead, we partner with leading energy insurers to design coverage that protects your company from every angle — while helping reduce your total cost of risk.

Our clients trust us for:

• Transparent guidance
• Responsive, same-day service
• Honest answers and no-pressure advice
• Coverage that grows with your business

If you operate in the energy industry anywhere across Colorado, New Mexico, Wyoming, Missouri, South Dakota, Texas, Utah, or Arizona, The Chris Young Agency is your trusted partner for oil and gas insurance solutions.

Request an Oil & Gas Insurance Quote
Call Us Today: (970) 352-6418