Overview of the Program from Amwins Program Underwriters
This program provides third-party liability and site pollution coverage tailored to insureds who operate, own, or maintain above-ground and below-ground storage tanks. Coverage features are focused on practical risks for fuel distributors, service stations, institutions, and other classes that handle petroleum products or bulk liquids.
Target Classes of Business
- Car, truck, and equipment dealers
- Convenience stores
- Fuel oil dealers
- Golf courses
- Hospitals
- Hotels
- Insureds utilizing above-/below-ground storage tanks
- Petroleum distributors
- Private airports
- Schools and school districts
- Service stations
Coverage Highlights and Advantages
- Third-Party Liability — on- and off-premises
- Site Pollution Liability and on-site clean-up included
- Loading and unloading coverage included
- Tail coverage available
- Amended spills and overfills
- Business interruption coverage
- Third-Party Contingent Liability for waste transportation
- Multiple location discount for accounts with more than one site
- Program limits up to $10M
Ideal Accounts and Typical Appetite
This program is a strong fit for insureds that maintain fuel or liquid storage tanks as part of their operations and need pollution liability protection beyond standard GL. Typical fits include fuel retailers, petroleum distributors, commercial facilities with bulk heating oil, municipal and private airports, schools, hotels, and other institutions with single or multiple tank locations. Accounts with documented tightness testing and reasonable loss control practices are preferred.
Underwriting Notes and Submission Requirements
To expedite underwriting, submit a completed application and the latest tank and piping tightness test results. The program supports multiple locations and offers on-site cleanup and contingent waste transportation coverages, but accounts with significant unresolved contamination or ongoing remediation may require additional review or be declined.
Program Limits:
Up to $10M
Submission Requirements:
- Completed application
- Documentation of latest tank and piping tightness test results
Underwriting Minimums and Premium
The program has a minimum premium requirement of $700. Brokers should be prepared to provide recent test results and loss history to achieve timely decisions. Because this program is placed through Amwins Program Underwriters, underwriting decisions reflect niche expertise in storage tank pollution liability.
Territories and Placement
Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.
This program is offered by an insurer rated A+ (XV) by A.M. Best; placement may be on a non-admitted basis depending on state regulations and the insured’s profile. Confirm availability for the specific state and risk when submitting.
Why Work With Amwins Program Underwriters on Storage Tank Business
Amwins Program Underwriters provides targeted underwriting for storage tank risks, practical coverages for on-site cleanup and third-party exposures, and flexibility for multi-site accounts. For agents and brokers, this program offers an efficient solution when the client needs dedicated pollution liability protection that goes beyond standard general liability forms.
Example Scenarios
- You have a regional fuel distributor with multiple above-ground tanks seeking consolidated pollution limits and on-site cleanup — this program can provide multi-location discounts and up to $10M limits.
- You represent a small school district with an aging underground heating oil tank that needs tightness testing documentation and policy protection for third-party cleanup and business interruption risk — this program is targeted to that exposure.
Frequently Asked Questions
What types of accounts are a good fit for the Amwins Storage Tanks program?
Accounts that operate, own, or maintain above-ground or underground storage tanks and that can provide recent tightness testing are ideal. Typical classes include service stations, fuel distributors, convenience stores, hospitals, schools, hotels, and facilities using bulk heating oil.
What are the basic documentation and underwriting items required?
Submit a completed application and the latest tank and piping tightness test results. Loss history, site maps, and information on any past releases will speed underwriting.
What limits and coverages are available?
The program offers limits up to $10M and includes third-party liability (on/off premises), site pollution liability, on-site cleanup, loading/unloading coverage, amended spills/overfills, business interruption, tail coverage options, and contingent liability for waste transportation.
Need help placing an account? Connect with a market specialist.