Property Coverage

Comprehensive Protection for Energy Assets

Up to $35 million of coverage

EIM provides substantial property coverage with capacity up to $35 million on a quota share basis, designed specifically for our members' critical infrastructure and assets.

who we are

We're a trusted property coverage provider

As a mutual insurance company dedicated to the energy industry, we understand the unique property risks faced by utilities and energy companies. Property capacity is available on a Voting Member and Non-Voting Member basis.

Policy Features

We provide comprehensive property protection

Quota share capacity structure
Catastrophic Risk coverage available
Follow-form coverage
Business Interruption coverage available
Our Values
Integrity
Member-Focus
Quality
Innovation
why choose us

Strategic property protection for energy assets

Core Coverage Features

Our Property Coverage includes protection for various exposures including earthquake, flood, and wind risks, with monitored catastrophe exposure management.

  • Capacity is provided on a Quota Share basis only.
  • To access the Property facility, Members must purchase Excess General Liability and/or Excess Directors and Officers coverage from EIM.
Special Considerations

Zone A Flood and Catastrophe Exposures may be subject to adjusted capacity, limits, or deductibles with annual aggregates for earthquake and flood coverage.

Our Coverage Options

We provide flexible property protection

Maximum Capacity

Up to $35 million available to qualifying Members.

Catastrophe Coverage

Earthquake, Flood, and Wind exposure protection available.

Risk Management

Monitored catastrophe exposure management.

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our Approach

Member-focused property protection

We provide property coverage designed for energy industry assets with a 45-60 day submission timeline.

Risk Assessment

Our experienced underwriting team evaluates your specific operational risks and coverage needs.

Coverage Design

We structure coverage to seamlessly integrate with your existing insurance program.

Ongoing Support

Dedicated service and claims support throughout the policy period.