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Ashley General Agency
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Ashley General Agency
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Underground Storage Tank Insurance

Comprehensive Underground Storage Tank Insurance from Ashley General Agency

Underground storage tanks (USTs) present significant environmental and liability exposures for many commercial operations that handle fuel, chemicals, or other hazardous materials. Ashley General Agency offers a focused Underground Storage Tank Insurance program designed so independent agents and brokers can place UST risks with confidence. As a Managing General Underwriter and Excess & Surplus Lines Broker, Ashley General combines underwriting expertise with broad E&S market access to handle both routine and harder-to-place accounts. Whether you represent a single fueling station, a fleet fueling site, or a commercial property with legacy tanks, our program can be tailored to the operational profile and compliance requirements of the account.

Ideal Accounts and Target Industries

Our appetite is geared to operations that use or manage underground tanks, including:
  • Gas stations and convenience stores
  • Fleet fueling facilities and truck terminals
  • Manufacturing and industrial sites with process storage
  • Commercial property owners with legacy or decommissioned tanks
  • Environmental contractors, engineers, testing laboratories and analytical firms
Example scenarios: you might have a client operating a small chain of gas stations in Texas seeking pollution liability limits and cleanup cost coverage, or a property manager responsible for an industrial site with aging tanks who needs site pollution and contractor exposures included.

Coverage Highlights and Advantages

Ashley General’s UST program addresses the common and specialized exposures tied to underground tanks. Available coverages include:
  • Environmental Impairment Liability (first-party cleanup and third-party bodily injury/property damage)
  • Site Pollution Liability for on-site and off-site migration
  • Professional and E&O-type coverage for engineers, analytical testing firms, and laboratories
  • Follow-form excess liability to build higher limits over primary placements
Our E&S relationships let us place both primary and excess layers and structure terms to reflect the site’s monitoring, maintenance, and mitigation practices.

Underwriting Notes and Minimum Premium

The program emphasizes documented loss control and regulatory compliance. Key factors that affect placement and pricing include tank age and construction, secondary containment, leak detection and monitoring systems, historical site investigation results, and any prior environmental claims or remediation work. The program’s minimum premium starts at $500, which makes smaller accounts accessible while supporting complex placements. Complete, accurate submissions speed underwriting. Typical submission items we request: tank inventory and construction details, A/B tests and monitoring logs, site history and remediation records, and any existing corrective action plans.

Territories and Admitted Status

This program is currently available in Texas. Admitted coverage may be available in select states depending on the carrier and risk profile; however, most placements are written on a non-admitted basis through our Excess & Surplus markets to provide broader flexibility for varied tank and site conditions.

Why Work With Ashley General Agency?

Ashley General Agency offers niche environmental underwriting knowledge and practical E&S market access that helps you place UST risks that are often difficult to bind elsewhere. Our strengths include:
  • Specialized underwriting focused on underground tank exposures and environmental mitigation
  • Ability to place primary and excess layers across multiple carriers
  • Responsive quoting and collaboration on risk improvement strategies
  • Experience handling accounts ranging from single-site fueling operations to portfolios with legacy tanks
Contact us for more information on our Underground Storage Tank Insurance program.

Frequently Asked Questions

What types of accounts are a good fit for this program?

Gas stations, fleet fueling facilities, industrial sites, and commercial property owners with underground tanks are all good candidates, as are environmental contractors and testing firms that need professional liability tied to UST work.

Is this program available on an admitted basis?

Admitted coverage is available in some states depending on carrier appetite, but most placements are offered non-admitted through our E&S markets to allow more flexible terms for complex risks.

What is the minimum premium for this coverage?

The program’s minimum premium begins at $500, though final pricing depends on the site’s characteristics and the coverage needed.

Can this program cover environmental contractors or testing labs?

Yes. We provide coverage options that address the professional and pollution exposures of engineers, analytical labs, and environmental contractors working with underground tanks.

What information is needed to get a quote?

We typically request tank details (type, age, capacities), site history, monitoring and testing records, any prior releases or remediation, and a completed application to expedite quoting.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Underwriter and Excess & Surplus Lines Broker
  • Admitted:
    Some Available States
  • Carriers:
  • Carrier Ratings:
    A+
  • Commission:
    10%
  • Min Premium:
    $500

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CONTACT INFORMATION

LOCATION

2040 N. Loop 336 West, 200
Conroe, TX 77304
936-585-6442
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Ashley General Agency has other insurance programs like Architects and Engineers Professional Liability Insurance.