Splash: Oilheat Dealers' Program

The Splash program has been providing package, automobile, and Umbrella Liability insurance to fuel oil dealers for over 15 years. Splash is an endorsed insurance program of the Oil Heat Council of New Hampshire (OHCNH), the Vermont Fuel Dealers Association (VFDA) and the Maine Energy Marketers Association (MEMA). Our professionalism, experience, expertise, longevity and commitment to the fuel oil and propane industries has earned us these endorsements. In addition to comprehensive coverage, competitive pricing and responsive local broker service, we back up our products with timely claims processing and full risk-control services.

Coverage Highlights

Basis of Coverage

  • Occurrence

Coverage Available


  • Replacement cost coverage on tank trucks 10 years or newer
  • Auto business income
  • Pollution liability
  • MCS-90

General liability

  • Pollution liability
  • Automatic fill
  • Mis-delivery
  • EPLI-sub limit


  • Property enhancement endorsement (highlights: business income, tools, accounts receivable, transit, etc.)
  • Equipment breakdown
  • Identity recovery coverage


  • Employee dishonesty
  • Theft

Inland marine

  • Contractor's equipment

Umbrella Liability

Coverage Amounts

Minimum Policy Premium

  • $1000

Minimum Policy Deductible

  • $500

Policy Limits / Capacity

  • $1,000,000 occurrence
  • $2,000,000 aggregate

Appetite and Availability

Targeted Classes

  • Retail home heating dealers

Excluded Classes

  • Gasoline haulers

Geographic Availability

  • United States


  • Local brokers

Additional Information

  • Available in most states
  • "A" XV Rated Carrier


Patrick Connors
VP Business Development

Contact us today to learn how partnering with Paragon can make you more productive and successful.