UNDERGROUND STORAGE TANKS Insurance Program from Advanced E&S Group - Southeast Region
Advanced E&S Group - Southeast Region offers a focused Underground Storage Tanks (UST) insurance program that helps independent agents and brokers place coverage for insureds with environmental exposures related to underground storage tanks. Whether your client operates a fuel station, regional airport, manufacturing site, or a public institution, this program delivers tailored protection for third-party liability, corrective action costs, and regulatory financial responsibility needs.
Ideal Accounts and Appetite
- Airports and fixed-base operators
- Auto dealerships and service centers
- Commercial and industrial facilities (service stations, convenience stores, fleet fueling)
- Manufacturing plants with fueling or chemical storage
- Municipalities and public works
- Hospitals and healthcare campuses
- Schools, colleges, and universities
Common fits include single-site or multi-site gas station portfolios, small regional airports with refueling operations, municipal fueling depots, and campuses that must meet federal or state financial responsibility requirements. The program targets accounts with documented tank inventories and routine maintenance; higher-risk locations or sites with large, unresolved releases may require pre-submission engineering or will be declined.
Coverage Highlights and Advantages
- Third-party bodily injury and property damage resulting from tank releases
- Corrective action costs, including site investigation, cleanup and remediation
- Policies and certificates designed to satisfy applicable federal and state financial responsibility requirements
- Placement primarily on a non-admitted basis with carrier options dependent on state and file specifics
Enhanced Coverage Terms
- Flexible limits of liability and deductible structures to match regulatory and client needs
- Broad coverage territory across most U.S. states
- Expanded definitions for additional insureds, first named insured, and remediation costs
- Extended reporting period enhancements available on request
Underwriting Notes and Minimum Premiums
Minimum premiums vary by tank type, site characteristics, and carrier. For efficient review, include a tank schedule, loss runs, operating history, and any environmental reports (Phase I/II, release reports). Helpful supplemental details: release history, cathodic protection status, recent tightness test records, overfill/spill prevention measures, and evidence of operator training. Advanced E&S Group works with multiple carriers to provide competitive terms and flexible underwriting solutions across a wide range of risks.
Territories and Availability
This program is available in most states across the U.S., including: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Availability and placement terms depend on carrier appetite and state regulation.
Why Work With Advanced E&S Group
As a Managing General Agency with focused environmental expertise, Advanced E&S Group provides agents access to a range of carrier solutions for UST risks. Their underwriters understand regulatory compliance, site remediation exposures, and the operational details that drive pricing and terms. You’ll benefit from responsive service, practical underwriting feedback, and flexible placement options for both single sites and portfolios.
Example scenarios: You might have a client who runs a four-site gas station franchise looking for consolidated coverage and certificates to meet state financial responsibility rules, or a municipal airport that needs third-party liability and corrective action coverage after routine tank upgrades—both are good fits for this program.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program fits facilities that operate underground storage tanks, including gas stations, airports, industrial plants, municipalities, educational institutions, and healthcare campuses.
Is this coverage available in all states?
Not in every state, but the program is available in most U.S. states listed above. Contact Advanced E&S Group with the specific state and site details to confirm availability.
Does the policy meet federal or state financial responsibility requirements?
Yes. Policies and certificates can be structured to satisfy applicable federal and state financial responsibility regulations, subject to carrier and state approval.
What documents are required to get a quote?
Provide a completed application, detailed tank schedule, loss runs, and any environmental assessments or prior remediation reports to speed underwriting.
Are there flexible deductible and limit options?
Yes. The program offers a range of deductibles and limits to align with client risk profiles and regulatory requirements.
Need help placing an account? Connect with a market specialist.