Overview of the Program from Metcom Excess
This program provides pollution and storage tank liability solutions for scheduled underground and above-ground tanks, plus related contractor, professional and fixed-site environmental liability options. Coverage is available in primary and excess layers, with appetite for sudden and gradual releases of petroleum and other stored products. Metcom Excess places business with a variety of admitted and non-admitted markets to give you flexibility in structure and pricing.
Ideal Accounts and Appetite
- Underground storage tanks (USTs) and above ground storage tanks (ASTs) at retail, commercial and industrial locations
- Fuel distributors, service stations, small to mid-sized terminals and commercial/municipal heating fuel tanks
- Environmental contractors and consultants performing excavation, tank removal or tank installation work
- Fixed-site manufacturing or processing facilities with historic or current tank exposures
Accounts typically acceptable include scheduled tanks with maintained records, routine tank testing and defined site controls. Accounts with repeated or unmanaged leaks, very large multi-site legacy contamination, or insolvent remediation prospects may require specialized handling and are reviewed case-by-case.
Coverage Highlights and Advantages
- Coverage for sudden and gradual releases from scheduled USTs and ASTs, including cleanup and third-party bodily injury and property damage
- Primary and excess limits available; markets can accommodate significant limits when needed
- Options to package Commercial General Liability, Contractor’s Pollution and Professional Liability on a single policy for contractor/consultant risks
- Standalone Professional Liability available for design, consulting and testing exposures
- Environmental Impairment Liability (fixed site) for first- and third-party damages and off-site cleanup arising from site conditions
- Fast quote turnaround and flexible policy terms (two-year policies available on many risks)
Underwriting Notes and Minimums
Underwriting focuses on scheduled tanks, historic loss control practices, maintenance and remediation history, and transportation exposures when applicable. Standard underwriting requirements typically include tank and piping details, inspection/testing history, and any previous releases or remediation reports.
- Limits: carriers in the panel can provide limits up to $10,000,000 / $10,000,000 (subject to market selection and underwriting)
- Minimum deductible generally starts at $1,000
- Program minimum premium: $600
- Primary and excess placements available; package minimums may vary by market
Territories and Admitted Positioning
Metcom Excess places Storage Tank Insurance in CT, DE, MD, NJ, NY, NC, PA, SC and VA. Some admitted markets are available; where admitted capacity is not available, placement will be made through appropriate Excess & Surplus lines markets. Please confirm admitted availability state-by-state during submission.
Why Work with Metcom Excess on Storage Tank Business
- Established niche expertise — active in storage tank and environmental lines since 1995
- Access to multiple markets (admitted and non-admitted) to improve placement options
- Ability to package CGL, contractor pollution and professional liability for cleaner submission and broader coverage
- Responsive underwriting with fast quote turnaround for straightforward risks
Example account scenarios
- You have a regional fuel distributor with several scheduled ASTs at a commercial yard and routine tank testing — this program can provide scheduled tank pollution coverage and optional excess protection.
- You represent an environmental contractor that performs tank removals and piping work — Metcom Excess can offer combined Contractor’s Pollution, CGL and Professional Liability on many risks.
Submission Guidance
Provide tank schedules, recent inspection/testing reports, loss history, site maps and any remediation documentation. For contractors, include scope of operations, transportation controls and professional services descriptions. Early dialogue with underwriting helps identify the best market fit (admitted vs. E&S) and any documentation needed for a quick quote.
Frequently Asked Questions
What types of storage tank accounts are a good fit for Metcom Excess’s program?
Scheduled UST and AST exposures with routine testing and maintenance records, fuel distributors, service stations, small terminals and contractors performing tank work are good fits. Fixed-site environmental risks with defined exposures can also be considered.
Are admitted policies available or is this exclusively E&S?
Some admitted markets are available in the program for qualifying risks; where admitted capacity is not available, Metcom Excess will use Excess & Surplus markets. Admitted availability is state and risk dependent — confirm at submission.
What is the program minimum premium and typical deductibles?
The program minimum premium is $600. Deductibles commonly start at $1,000, though final terms depend on market and account-specific underwriting.
Can I combine contractor pollution, CGL and professional liability on one policy?
Yes — for many contractor and consultant risks Metcom Excess can offer combined coverage (Commercial General Liability, Contractor’s Pollution and Professional Liability) on the same policy, subject to underwriting approval.
How quickly can I get a quote?
Metcom Excess emphasizes fast quote turnaround for routine, well-documented risks. Providing complete submission materials (tank schedules, inspection reports, loss history) at intake will speed the process.
Need help placing an account? Connect with a market specialist.