Texas Oil & Gas Insurance (Houston Energy Insurance Broker)
Bowen, Miclette & Britt is a Houston-based insurance broker helping upstream, midstream, and downstream energy companies secure coverage that matches the real-world risks of oil & gas operations. We’ve built long-term relationships with prominent domestic and global underwriters, giving our clients access to specialized coverage options and competitive program terms.
Energy Risk Management: Key Exposures We Help You Control
Energy companies operate in highly volatile markets. Global regulations evolve, supply and demand needs fluctuate, and political agendas influence decision-making. One day could look vastly different from the next, leaving energy organizations susceptible to financial loss.
Inherent risks professionals may encounter in the energy sector include:
- Oil and gas well blowouts
- Cybersecurity threats
- Environmental exposures
- Fracking risks
- Pollution liabilities
- Property losses
- Injuries
- Natural disasters
Oil and gas insurance is necessary to secure business operations against numerous uncertainties. As a top-rated consultant, BMB takes pride in designing and implementing programs that build savings, enhance protection, and transfer risk. Our team works with various businesses, from giant, publicly traded enterprises to small, family-owned operations. Our clientele includes Oil & Gas Exploration and Production, Oilfield Services and Construction, Drilling and Completion, and Pipeline and Refining Operations.
Protect Your Texas Business Today
Energy Insurance Coverage Solutions (Oilfield, Pipeline, Refining, Marine)
Customers have come to rely on our team of professionals, including our risk management division, BMBRisk, to provide them with the assistance and resources they need to mitigate their exposure to risk most cost-effectively. We service both onshore and offshore energy risks of all sizes and stages of growth.
Our agents work with businesses to identify risk-susceptible areas and search the market for reliable carriers that provide competitively priced coverage.
Our team has experience finding energy insurance types such as:
- Control of Well/Operators Extras Expense
- Pollution Liability Insurance
- Physical Damage (offshore and onshore)
- Primary Liability with industry-specific endorsements
- Excess Liability
- Loss of Production Income
- Rig Physical Damage
- Cargo Insurance
- Contractors Equipment (onshore, offshore, and energy contractors)
- Oil Spill responsibility (OPA 90)
- Maritime Employer Liability
- USL&H
- Jones Act
- Charterers Legal Liability
- Hull/Protection & Indemnity
- International Risk Placement
- Specialty Tool/Down Hole Tool Coverage
A Sampling of the Specialized Bonds offered:
- Operators Bonds
- Plugging and Abandonment Bonds
- Right of Way Bonds
- Geophysical Exploration Bonds
- Federal, State, and Local bonds
As a dedicated insurance broker in Houston, BMB specializes in customized Texas oil & gas insurance solutions for companies of all sizes. Whether you’re headquartered in Houston or operating across Texas, our team understands the unique risks energy companies face and works to secure comprehensive coverage at competitive rates.
Insurance Programs for Every Phase of the Energy Lifecycle
Energy insurance is often contract-driven. Before you commit to an MSA or project scope, our team can review the insurance exhibit to help confirm your coverage and limits align with what the customer requires.
Common items we review include:
- Additional Insured wording and required endorsements
- Primary & noncontributory requirements
- Waiver of subrogation requirements
- Required limits (primary + excess/umbrella towers)
- Pollution carve-outs and coverage gaps
- Maritime worker classifications (USL&H / Jones Act) where applicable
- Certificate of insurance requirements and vendor/sub compliance expectations
Upstream & Oilfield Services
- Coverage for the rig site. We secure Control of Well, Rig Physical Damage, and Underground Resources coverage that standard policies exclude.
Midstream & Pipeline Construction
- From gathering lines to transmission. We navigate the environmental liabilities of pipeline construction and terminal operations.
Downstream Energy Solutions
- Our team works with refining and petrochemical processing clients to address property damage, business interruption, and broad liability risks inherent in downstream operations.
Contract-Driven Coverage: Align Insurance with MSAs and Project Requirements
With our team at BMB, energy professionals can conduct business knowing they have a team to support their financial interests. Our agents address the entire supply chain, performing a needs assessment to understand the circumstances better.
Our team is our greatest asset, providing a unique consultative approach to ensure full-scale coverage for all contingencies. We aim to strengthen internal risk management in the energy industry to protect supply chains and reduce liabilities through comprehensive insurance programs. We utilize our expertise, innovative technology, and advanced data analytics to provide specialized, end-to-end services, including:
- Loss Control: Our representatives conduct on-site evaluations to determine liabilities from personnel, equipment, or natural causes.
- Litigation Consulting: BMBRisk creates, reviews, and revises business contracts to assess and limit potential risk.
- Claims Management: Our claims managers generate detailed reports on open claims cases, strategically manage reports, and conduct file audits to identify strengths and areas needing improvement.
Why BMB (Houston Market Access & Risk Management Support)
Bowen, Miclette & Britt provides businesses nationwide and beyond with personalized solutions to manage and mitigate risk. As one of the top independent insurance agencies in the nation, we have the technology and personnel to deal with the energy industry’s unpredictable nature. Our clients depend on our knowledge, vision, accountability, and service for cutting-edge, personalized risk management solutions.
Our client commitment sets us apart as the leading energy insurance agency in Houston. We provide premium services while maintaining the intimate, small-firm values our organization was built on. We continually foster relationships that provide our clients with real-world business advantages, resulting in a 95% client retention rate.
What Insurance do Oil and Gas Companies Typically Need?
Most energy companies need a program that addresses liability, property/physical damage, pollution exposure, and operational interruption. Exact needs vary by lifecycle stage (upstream/midstream/downstream) and whether operations are onshore, offshore, or contract-driven. Many energy programs also require specialized coverages like control of well (OEE), environmental/pollution liability, and higher-limit excess structures.
What is Control of Well / Operators Extra Expense (OEE) Insurance?
Control of well (often referred to as OEE) helps address costs associated with regaining control of a well after certain events, and may include related cleanup and containment costs depending on the policy structure. It’s typically most relevant for upstream operations and contractors exposed to well-control risk.
What is Pollution Liability Insurance and Who Needs it in the Energy Sector?
Pollution liability coverage can help protect against costs tied to pollution incidents, including cleanup/remediation, third‑party claims, and legal defense. Energy companies and contractors may need it when operations involve fuels, chemicals, produced water, drilling fluids, or other environmental exposures, especially when required by contract.
What Insurance is Typically Required for Pipeline and Midstream Contractors?
Midstream contractors often need a combination of liability, auto/fleet, pollution liability, and property/contractor equipment coverage, plus contract-driven limits and endorsements. Project requirements can vary widely, so the best first step is reviewing the insurance exhibit and building a program that satisfies both operational and contractual exposures.
Request an Energy Program Review
Whether your needs are domestic or international, our team is committed to our clients and has the expertise to handle your most complex and specialized energy risks.
