Workers’ Comp Insurance for Oilfield Service Companies

Workers’ comp insurance for oilfield service companies isn’t just a requirement—it’s a safeguard that can make or break a business. Oilfield work is physically demanding, logistically complex, and loaded with risk at every turn. Between high-powered equipment, flammable chemicals, unpredictable terrain, and long work shifts, oil and gas workers face hazards that many other industries don’t. The stakes are high, and even one serious injury can set off a chain reaction of lawsuits, medical bills, lost time, and financial strain.

Despite the importance of coverage, many oilfield service companies struggle to find a workers’ compensation policy that actually works for their business. Some have been dropped after a few claims. Others face sky-high premiums or are required to put down large deposits and sign lengthy contracts. And then there are companies that can’t even get a quote because their industry is labeled “too risky.” That’s where NPN Brokers comes in. We specialize in workers’ comp insurance for high-risk industries—especially oilfield services—and we can help you get covered, even if you’ve had claims, OSHA violations, or 1099-heavy crews.

Why Oilfield Service Companies Are Classified as High-Risk

When it comes to workers’ compensation underwriting, oilfield service companies rank among the most high-risk industries in the country. The nature of the work exposes employees to multiple hazards: high-pressure systems, explosive gases, large and unpredictable machinery, remote work environments, and even transportation risks due to constant crew movement between sites. This combination of dangers increases the probability of injury, which naturally raises the risk for insurance carriers.

Unlike office-based businesses or even lower-risk trades, oilfield crews are often working on their feet for 12+ hour shifts, operating or working around heavy rigs, compressors, frac tanks, and cranes. The likelihood of accidents—ranging from sprains and burns to crushing injuries or more serious incidents—is substantially higher. On top of that, the work is typically performed outdoors in remote areas, where emergency response time may be delayed, complicating treatment and claims.

Because of all this, many traditional workers’ comp providers steer clear of the oil and gas industry entirely. The ones that do offer coverage often impose restrictive terms that don’t match the needs of real-world operations. If your business is struggling to find affordable, realistic workers’ comp coverage, NPN Brokers is built for situations like yours. We understand the specific liabilities involved in your work and can tailor a solution that protects both your business and your workforce.

We Can Cover You—Even with Prior Claims or OSHA Violations

It’s not uncommon for oilfield companies to have a few blemishes on their record—especially in an industry where even minor mishaps can trigger a claim or OSHA report. But too often, these incidents follow companies around like a scarlet letter. Even one or two claims can disqualify you from coverage with traditional brokers, forcing you into state-assigned risk pools with costly premiums and rigid terms.
At NPN Brokers, we take a more practical approach. We know that past claims don’t automatically mean you’re unsafe or irresponsible—it often just means you’re operating in a tough industry. That’s why we work with insurance partners that understand risk, and are willing to provide coverage to oilfield companies that others overlook. Whether you’ve had workers’ comp claims, lost-time injuries, or OSHA citations, we’ll assess your situation and work to get you insured—fast.

We’ve helped oilfield service businesses bounce back after getting dropped mid-policy or non-renewed due to a spike in claims. We don’t require you to sign a long-term contract or pay a massive deposit. You won’t be subject to end-of-year audits either. Our goal is to get you covered quickly and affordably, without tying up your cash flow or locking you into something that doesn’t make sense for your operations.

Flexibility for Large Oilfield Operations with $10M+ Payroll

Oilfield service companies with large crews and complex structures often face an even bigger challenge when it comes to workers’ comp. That’s especially true for companies with more than $10 million in annual payroll—many of which operate with a mix of W2 employees and 1099 independent contractors. Most brokers are only able to insure W2 workers, leaving your contractors exposed and your compliance at risk.

At NPN Brokers, we work with carriers that allow coverage for both W2 employees and 1099 contractors—as long as your payroll meets that $10 million threshold. That’s a game-changer for oilfield operations that rely heavily on contracted crews, especially for specialized tasks like wireline services, hydraulic fracturing, or drilling support. You get the peace of mind of knowing your entire workforce is protected, not just part of it.

For companies with payrolls under $10 million, we can still provide workers’ comp coverage for your W2 employees—with all the same flexible terms: no contracts, no audits, no deposits. Whether you’re ramping up a new operation or managing ongoing service contracts across multiple locations, we’ll structure a policy that aligns with your workforce and payroll flow.

Coverage in 46 States—and Multi-State Oilfield Crews

Oilfield service companies rarely operate in just one location. Drilling schedules, contract work, and production timelines often require crews to move between states quickly and efficiently. That creates a unique insurance challenge, because each state has its own workers’ compensation laws, classification codes, and compliance rules. Trying to manage that internally—or with a broker who lacks experience in multi-state coverage—can leave dangerous gaps in your protection.

NPN Brokers can provide workers’ comp insurance in 46 states, and we routinely help oilfield companies manage coverage for crews that move between Texas, New Mexico, Oklahoma, Louisiana, Colorado, and beyond. Whether you’re operating on a rotation basis, subcontracting parts of a pipeline buildout, or providing on-call emergency services, we’ll help you stay compliant in every jurisdiction.

Our team understands the nuances of interstate coverage and can help you file the necessary forms, maintain required certificates, and avoid penalties or coverage disputes. You won’t have to juggle multiple brokers or piece together state-specific policies. We’ll keep things simple and centralized—so your team can stay focused on the job.

Pay-As-You-Go Workers’ Comp: No Contracts, No Deposits, No Audits

One of the biggest frustrations we hear from oilfield service companies is the rigidity of traditional workers’ comp policies. Many brokers require multi-year contracts, upfront deposits that tie up working capital, and time-consuming audits that slow down back-office operations. This doesn’t make sense for an industry where project timelines shift, crew sizes fluctuate, and payroll can swing based on the season or job location.

That’s why we only offer pay-as-you-go workers’ comp insurance. With this model, you’re only paying for the actual payroll you report—no guesswork, no estimated projections, and no surprise bills. If your workload ramps up, your premium adjusts accordingly. If things slow down for a few weeks, you’re not stuck paying for unused coverage. It’s a clean, flexible way to stay protected without overspending.

You also won’t have to worry about complex audits at the end of the year. Since your premiums are based on real-time payroll, you avoid the headache of reconciling discrepancies or digging through records to defend your numbers. This saves time, cuts stress, and keeps your administrative load manageable—especially important if you’re already juggling operations in multiple states or job sites.

Fast, Hassle-Free Quotes in Minutes

We know your time is valuable. When you call NPN Brokers or fill out our online quote request form, you’re not going to wait days or weeks to hear back. In most cases, we can provide you with a quote in just a few minutes. And once we gather the necessary info, we can often get your coverage active in as little as 24 hours.

Whether you’re starting a new operation, replacing a canceled policy, or exploring better coverage options, we’ll walk you through the process clearly and efficiently. You won’t be buried in paperwork or bounced between agents. We’re direct, fast, and focused on getting you what you need—when you need it.

If you’ve been turned down by other brokers or are struggling to find coverage for a blended workforce, give us a call. We’ve helped countless oilfield service companies just like yours get the protection they need, without the hassle.

Types of Oilfield Service Companies We Work With

We regularly work with a wide range of oilfield service businesses—whether you’re upstream, midstream, or downstream. Our clients include:

• Drilling contractors and directional drillers
• Hydraulic fracturing (fracking) teams
• Wireline and perforation crews
• Pipeline installation and inspection providers
• Site prep and excavation contractors
• Well servicing and snubbing units
• Oilfield trucking and hotshot drivers
• Mud logging and pressure pumping companies

Whether your crews are onshore or offshore, union or non-union, direct hire or subcontracted, we’ve likely seen your setup before—and we know how to get it insured properly.
Get a Workers’ Comp Quote for Your Oilfield Company

If you’re operating in the oil and gas industry and struggling to get affordable, flexible workers’ comp insurance, we’re ready to help. NPN Brokers specializes in providing workers’ comp for high-risk sectors like oilfield services, and we can get you covered—even if you’ve had claims, operate in multiple states, or need coverage for both W2 and 1099 workers.

Call us at (561) 990-3022 to get a workers’ compensation quote in minutes, or fill out our quick online quote request form. We’ll handle the rest—so you can get back to business, safely and securely.