InSource Insurance Group can help protect your property investments
with coverage for fire, theft, vandalism, aircraft, wind & hail, etc. Assets we cover daily include:


  • Buildings and Other Physical Structures
  • Contents/Business Personal Property
  • Property of others in your Care, Custody, and Control
  • Stock & Inventory
  • Permanently attached equipment & machinery

Property Coverage

As the demands and services of the oil and gas industry changes your energy company must change along with them to stay competitive. That is why Flowers & McKeller recognizes the needs of our clients and adjust with the ever changing needs of the energy industry. When the unexpected happens, and it will; Flowers & McKeller is there for you quickly and professionally with certainty and security.

With knowledge that is specific to the needs of the oil and gas operator, driller, or service contractor; Flowers & McKeller covers you with the protection you need and can walk with you in risk control; fast, complete, and thorough claim services; and mission critical coverage auditing services to fit your property insurance needs.



Nothing jeopardizes your company’s oil and natural gas exploration and production like a catastrophic event on a drilling or workover rig or platform. Underinsure and your company could suffer expenses many times over the cost of having the right coverage. InSource Insurance Group is your best strategy if and when disaster strikes and will have you covered during an accident before, during, and especially after; when you need us most.

Rig accidents, unfortunately, are not rare occurrences and your agreements and contracts with other energy companies can leave you exposed when you need protection the most. We can provide coverage for direct physical loss to:

  • Onshore Drilling Rigs
  • Workover Rigs
  • Offshore Drilling Rigs
  • Offshore Platforms

Oil & Gas Lease Property (OLP)


Lease property coverage in the oil and gas industry can save your energy company from catastrophic or unrecoverable losses to your production equipment, tanks, etc. InSource can tailor your lease property insurance policy for blanket or scheduled property; unscheduled or scheduled property locations; and even crude oil stored in petroleum tanks. With flexible valuation practices and services we can establish coverage values on oil & gas lease property and can keeping you protected and affording you the peace of mind to continue to focus on drilling, exploring, refining, supply, or storage strategies and practices.

  • Production Equipment
  • Tanks
  • Pumpjacks
  • Crude Oil
  • Pipelines & Gathering Systems

Control of Well (OEE)

Today, well control coverage is available in two basic policy forms:


  • Operator’s Extra Expense (OEE)
  • Energy Exploration and Development (EED 8/86)

Over the years, other forms of insurance for energy operations have been introduced; however, most of those are no longer readily available. Oil and Gas Insurance as it pertains to the Control of Well Policy is designed to pay costs involved in making the well safe after a blow-out or getting the well under control; re-drilling a well to the depth reached prior to the well deemed out of control or blown out; costs for clean-up and containment and for damages caused by contamination and pollution.

Primary coverages which can be attained under the forms of insurance in question are:
  • Control-of-well
  • Re-drilling/Restoration/Re-completion
  • Seepage and pollution/Clean-up and contamination
  • Care, custody and control (third party equipment)

Protection & Indemnity (P & I)

Liability insurance for practically all maritime liability risks associated with the operation of a vessel, other than that covered under a workers compensation policy and under the collision clause in a hull policy. There is no standard P&I form with the specific terms and conditions for each insured tailored by underwriters based on the nature of the risk and the character and amount of insurance desired by the insured. Additionally note that since the P&I policy is essentially a contract of indemnity, the insurer is not obligated to pay unless the insured must actually pay the claim.


Insuring your crude during maritime transport is just as critical as ensuring the tanks that store the oil inland. InSource Insurance Group provides not only the cargo coverage to ensure that the crude you have produced is not a total loss in case of at sea accidents and spillage, but provides the hull insurance coverage you need to repair your scheduled vessel hull when the unthinkable occurs.

Combine your hull insurance with pollution and environmental protection and you build on your complete loss protection strategy. Our risk management group is well versed in covering your maritime oil transport against losses in seepage, clean up, containment and vessel collisions building a bulletproof protection package that will blanket your investment from excavation to market delivery.

Wind & Windstorm

You can provide the best training; the most advanced safety measures; and the biggest technological monitoring systems on the planet; but when the planet has ideas of its own, you need protection. A close investigation of your hull, rig, and platform insurance coverage may yield bad news. The simple fact is that windstorm damage is not automatically included in your standard oil and gas coverage policy.

When the storm clouds roll in you immediately begin losing money. Crew evacuations, production shutdowns, property stabilization, and more begin costing your company days before the first gust is ever felt. The aftermath can run into the billions for even the most prepared energy firms.

Let our oil and gas risk management and loss prevention experts build a comprehensive industry windstorm protection package that protects your offshore oil and gas investments.

Flood & Earthquake

Earthquakes, floods, tsunamis, typhoons… Mother nature can often be the most hazardous element of danger to energy companies. InSource Insurance Group is there to guide you in risk management procedures to help protect your oil and gas assets before catastrophe strikes; and after the waters and aftershocks have subsided.

For the ultimate in well, rig, storage, and transport coverage you can blanket your protection policies with insurance for flood and earthquake coverage.

Equipment & Inland Marine

InSource Insurance Group can provide coverage for all of your company’s equipment whether it is stolen from the yard, or blown over in the field, or burned up from a blowout, you can sleep well at night knowing that you have the correct policies in place.

  • Construction/Dirt Work Equipment
  • Hot Oilers
  • Rigs
  • Employee Tools
  • Reverse Units
  • Frac Tanks
  • Cementing & Acidizing Equipment
  • Rental Equipment
  • Etc.

Business Income & Extra Expense

InSource Insurance Group can cover your commercial property for the loss of income suffered by damage to your premises by a covered cause of loss causes a slowdown or suspension of its operations. Coverage applies to loss suffered during the time required to repair or replace the damaged property. It may also be extended to apply to loss suffered after completion of repairs for a specified number of days. There are two Insurance Services Office, Inc. (ISO), business income coverage forms: the business income and extra expense coverage form (CP 00 30) and the business income coverage form without extra expense (CP 00 32). Business income coverage (BIC) is also referred to as business interruption coverage.

  • Replace Lost Income Direct or Contingent
  • Expediting Expenses
  • Temporary Office Setup Expenses
  • Loss of Income from damaged Equipment

Have a Question?

If you have a quick question or would like for us to follow up with you to discuss your future insurance needs, simply fill out this short form and we will personally contact you.