What Insurance Do Oilfield Trucking Companies Need? A Complete Guide by Hauling Type
- Nate Jones, CPCU, ARM, CLCS, AU
- 4 days ago
- 2 min read
Updated: 3 days ago
Operating an oilfield trucking business in 2026 requires more than trucks and drivers. Each type of haul—whether crude oil, saltwater, chemicals, or sand—comes with unique insurance needs to protect your fleet, cargo, employees, and business operations. Understanding the required coverage helps companies remain compliant with operators, regulators, and lenders while minimizing financial risks.
1. Crude Oil Hauling Insurance
Crude oil hauling carries high liability risks due to flammable cargo. Key coverage includes:
Commercial Auto Insurance – Covers collisions and vehicle damage
Cargo Insurance – Protects against loss or spills
Environmental/Pollution Liability Insurance – Covers spills and contamination
Workers’ Compensation – Protects drivers on-site or in transit
General Liability Insurance – Protects against third-party injuries
2. Saltwater & Produced Water Hauling
Hauling produced water or saltwater requires attention to environmental and regulatory exposures:
Pollution Liability Insurance – Critical for spills or wellsite contamination
Optional coverage: Equipment Breakdown for pumps or tankers
Saltwater hauling may have slightly lower premiums than crude oil due to reduced fire/explosion risk but still requires robust coverage.
3. Chemical Hauling Insurance
Chemical haulers face heightened regulatory scrutiny and high-risk exposures:
Commercial Auto & Cargo Insurance – Includes hazardous materials coverage
Pollution Liability Insurance – Covers chemical spills and cleanup costs
General Liability & Workers’ Compensation – Mandatory for operator compliance
Hazardous Material Endorsements – Required for transporting flammable or toxic chemicals
4. Sand & Frac Material Hauling
Sand hauling for fracking operations carries operational risks, but lower environmental hazards compared to chemicals or crude:
Commercial Auto Insurance – Covers trucks and trailers
Cargo Insurance – Covers materials during transit
Workers’ Compensation & General Liability – Protects drivers and third parties
Sand hauling premiums are typically more affordable, but insurance is still critical for regulatory and operator requirements.
Tips for Reducing Premiums
Implement driver safety programs and certifications
Maintain detailed vehicle inspections and maintenance records
Utilize telematics or GPS tracking to monitor fleet performance
Bundle multiple policies to leverage carrier discounts
Why Choose Wexford Insurance
Wexford Insurance helps oilfield trucking companies secure tailored insurance coverage for all hauling types. Our services ensure:
Compliance with operator and regulatory requirements
Protection for cargo, fleet, and drivers
Risk management to help reduce premiums
Request a free oilfield trucking insurance quote from Wexford Insurance today while meeting the specific requirements of crude, saltwater, chemical, or sand hauling.
