Developers and investors whose oil and gas fields do not produce as expected can still get a return on their investments with oil and gas deficiency insurance. If the field's actual output falls short of engineering report projections, the financial institutions, independent oil producers, individuals, or partnerships are indemnified for the loss. Fields with proven reserves that currently yield through at least three producing wells can also qualify for this insurance. Operators must provide equipment needed for the operation and maintain it in good condition. There is no coverage for inadequate cash flow due to price fluctuations, excessive supply, rising petro-loan interest rates, profit or loss from tax risk, environmental regulations that impede production, operating expenses, hazards, and other uninsurable risks.