My shop is in San Antonio but my crews work the Eagle Ford. What does my insurance need to handle?

The Railroad Commission's San Antonio office at 112 E. Pecan Street serves two oil and gas districts, District 1 and District 2. Bexar County is in District 1.

The RRC lists 27 Eagle Ford counties, and Bexar is not one of them. San Antonio is where many contractors keep the office, the shop and the yard. The leases are in the counties around it.

That split matters because the counties you drive to do not all sit in the same district. Atascosa, Frio, McMullen, Wilson, La Salle and Zavala are District 1. Karnes and Live Oak are District 2. Both are handled from the same San Antonio office, which makes it simpler when a permit, inspection or incident question comes up.

The Edwards Aquifer is a drinking water source for San Antonio. TCEQ's Edwards Aquifer Protection Program regulates "activities that have the potential to pollute" it, under 30 TAC Chapter 213. Its San Antonio regional office handles Comal, Bexar, Medina, Uvalde and Kinney counties.

Before anyone builds over the aquifer's recharge, transition or contributing zone, TCEQ has to review and approve a plan, and then it monitors the site for compliance.

For an oilfield contractor, the yard is where fuel, chemicals, used oil and dirty equipment sit between jobs. Two insurance points follow:

• Contractors pollution liability covers your operations at the job site. A spill at your own yard is a different exposure. Ask whether your pollution policy covers your owned or leased premises, or only your work on someone else's lease.
• Know where your yard sits before you sign a lease on a new one. If it is in a regulated zone, the regulatory side and the insurance side both get more involved.

See oilfield pollution liability.

A San Antonio contractor usually puts more road miles on each job than one based in a field town. That changes what your agent needs to know.

• Where your trucks go. TxDOT's San Antonio district covers Bexar, Atascosa, Frio, McMullen and Wilson, but Karnes is in TxDOT's Corpus Christi district and La Salle is in its Laredo district. If you run to all of them, say so on the application.
• Oversize and overweight loads. TxDMV issues oversize and overweight permits through TxPROS, including annual permits for well servicing units, fracking trailers and rig-up trucks, and single-trip permits for non-divisible loads. Your auto policy and your permits should describe the same equipment.
• Crews in their own pickups. Hands who drive personal vehicles from San Antonio to location create a hired and non-owned auto exposure. See hired and non-owned auto.

See oilfield auto insurance and MCS-90.

FEMA has listed Bexar County as a designated area for public assistance under the Hurricane Harvey major disaster declaration (DR-4332, 2017) and under the Texas Flooding emergency declaration (EM-3649) for flooding that began July 12, 2026.

What to settle before the next one:

• Flood on the equipment floater. Some floaters exclude or sublimit flood at named locations. Confirm your yard is covered.
• Comprehensive on parked units. Flood damage to a truck in the yard is an auto physical damage claim. If you dropped comprehensive on older units to save premium, they are uninsured for flood.
• Business income. If a flooded yard keeps your trucks parked for weeks, the lost income is a separate coverage question.

See oilfield equipment insurance.

Every county you serve from San Antonio is in Texas, so the Texas Oilfield Anti-Indemnity Act, Civil Practice and Remedies Code Chapter 127, is the law your MSAs live under.

Under Section 127.005, indemnity supported by insurance is enforceable when the parties agree to it in writing. For mutual indemnity, the obligation is limited to the coverage and dollar limits each party agreed to carry. For unilateral indemnity, the insurance required may not exceed $500,000.

The practical point for a San Antonio office: you may have MSAs with several operators, each signed at a different time with different limits. Keep a list of what each MSA requires and compare it to what you carry. Your attorney reviews the contract. We make sure the insurance matches it.

See Texas oilfield anti-indemnity act and MSA insurance requirements.

What to send us: the insurance exhibit from each active MSA, your current certificates, any ISNetworld or Avetta rejection notice, and the address of your yard.