In the complex world of business risk, sometimes it’s nice to be presented with a simple solution that’s also comprehensive. Evans, Pires & Leonard offers just such a product in its Fuel Oil Dealers Insurance Program, critical to our customers in the Northeast who service residences and light commercial customers throughout Eastern Connecticut and beyond.

Our Fuel Oil Dealers Insurance provides flexible coverage for property, as well as General Liability that can include Crucial Spill and Pollution Liability protection. Our Business Auto can include pollution and replacement costs coverage. We also have Inland Marine Insurance; Wrongful Delivery and Over-Pumping Coverage; Automatic Transit Coverage; Product Contamination; Business Interruption; and Employee Crime. Some additional sector-specific coverages you might be interested in include coverage for Storage Tanks, an MCS-90 endorsement, and Terminal Access Card Loss.

We can also provide Workers Compensation Insurance, Employment Practices Liability Insurance, and Directors and Officers Insurance at affordable rates. Some of our insurer partners offer specialized consulting services for risk management and crisis response teams in case of a spill or other serious incident. We can also provide Umbrella Insurance to boost your liability coverage and Flood and Earthquake Insurance if you need those.

If you are handling customer money or any kind of securities, such as cash or checks, you probably will want our coverage for the loss of those. Your client files most likely have private data on them. If they are compromised by a data breach of some kind, you could be held liable for financial losses they incur. A Cyber Liability or Valuable Papers policy could be the protection you need.

Our insurer partners will also provide you with a turnkey spill management program, which includes making all the required regulatory notifications and arranging for immediate clean-up; dispatching a project manager to perform an on-site analysis of the event and its impact; and follow-up, including submitting reports required by regulatory agencies, reviewing all remedial invoices, and defending against any claims that are unfounded or exaggerated.