https://completemarkets.com/company/AccessESInsuranceServices/Storage-Tank-Insurance/
Do your clients who own or operate underground storage tanks (UST) for fuel or hazardous materials think they are protected by their oil companies or by federal cleanup funds? They aren’t. Access E&S Insurance Services helps you place dedicated Underground & Aboveground Storage Tank Pollution Liability coverage so your clients understand and transfer their legal and financial risks.
Overview — Access E&S Storage Tank Insurance
Access E&S Insurance Services offers a tailored Above & Underground Storage Tank pollution liability program for property owners and operators who need environmental protection beyond a general commercial policy. Owners and operators can be responsible not only for third-party bodily injury and property damage but also for investigation, cleanup and ongoing monitoring costs required by federal and state environmental authorities. Our program is designed for E&S placement and provides flexible limits and coverages through various surplus lines carriers.
Ideal Accounts and Target Classes
This program fits routine tank owners and operators with typical storage exposures. Common classes we write include:
Gas stations and convenience stores
Universities and schools
Golf courses
Car dealerships and fleet operations
Hospitals and medical campuses
Hotels and multi-family properties
You might have a client who discovered a small leak during a tank upgrade or a university that operates a maintenance garage with fuel tanks — those are examples of accounts that frequently qualify for this program.
Coverage Highlights and Advantages
Third-party bodily injury and property damage from a covered release
On-site and off-site cleanup, investigation and corrective action costs
Coverage for spills during loading and unloading
Scheduled UST system releases
Flexible policy structures through a panel of E&S carriers
Policies vary by insurer. Access E&S works with you to match the applicant to carriers that offer the coverages and limits suitable to the exposure.
Underwriting Notes and Minimums
Underwriting is risk-based. Common factors reviewed include tank type (aboveground vs. underground), age and condition of tanks and piping, spill history, prior remediation, environmental controls (overfill protection, leak detection), and operator practices. Minimum premium and terms vary by carrier and by state — please disclose all known releases and any environmental reports on submission.
Please note: An EIL policy for clients who own or operate an underground storage tank is highly recommended in addition to UST coverage, since a UST policy typically only responds to corrective actions required by applicable cleanup laws.
Territories, Placement and Licensing
This is an Excess & Surplus lines program and is currently available in: AZ, CA, CO, NV, TX, and WA. Access E&S places this product through various non-admitted carriers — contact us for state-specific eligibility and surplus lines filing requirements.
Why Work With Access E&S Insurance Services
Specialized E&S placement for environmental/tank risks with access to multiple carriers
Flexible appetite for both aboveground and underground tanks across common commercial classes
Experienced underwriting staff who understand remediation exposures and reporting needs
Responsive service for submissions, endorsements and claims introductions
We understand the daily exposure your clients face. If your client owns or operates an aboveground and/or underground storage tank and needs targeted environmental liability coverage, Access E&S can help place an appropriate policy. Call us or email one of our experts to discuss a submission.
Frequently Asked Questions
What types of accounts are a good fit for this program?Typical fits are gas stations, dealerships, universities, golf courses, hospitals and hotels that own or operate aboveground or underground tanks. We prefer accounts with routine tank maintenance, documented leak detection, and no recent uncontrolled contamination events.
Is an Environmental Impairment Liability (EIL) policy required?We recommend an EIL policy in addition to UST coverage. UST policies often focus on corrective actions required by cleanup authorities, while an EIL policy can provide broader third-party and first-party environmental protection.
What submission information do you need?At a minimum, provide a completed application, tank inventory (type, age, capacity), maintenance and leak detection programs, any environmental reports or remediation history, and loss history. More documentation may be requested based on the account.
Are limits and minimum premiums fixed?Limits, retentions and minimum premiums vary by carrier and by state. Access E&S will shop the account across our carrier panel to find appropriate terms; we do not publish fixed pricing.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/citadelinsuranceservices/wholesaling-insurance/
Overview — Citadel Insurance Services: Wholesaling Insurance
Citadel Insurance Services offers liability insurance solutions designed for wholesalers, distributors, and importers. Our Wholesaling Insurance program focuses on accounts that can be difficult to place in standard markets — including product importers, national distributors, and specialty wholesalers across a wide range of product lines. As a managing general agency, Citadel leverages multiple carrier relationships to find admitted and non-admitted placement options and underwriting flexibility for harder risks.
Target Classes and Ideal Accounts
This program is a good fit when your client is a wholesaler, importer, or distributor that needs broad commercial general liability and product liability coverage. Typical targets include:
Recreational products distributors
Consumer goods wholesalers
Life science product importers
Automobile performance parts suppliers
Chemicals and industrial supplies
Plastics and molded components
Electrical products and components
Cleaning products and janitorial supply distributors
Other specialty importer/wholesaler operations with complex recall, labeling, or cross-border exposures
Coverage Highlights and Advantages
Citadel’s wholesalers program is focused on liability exposures that matter most to distributors and importers: product liability, general liability, completed operations, and coverage extensions related to import/export activity. Advantages agents can expect:
Access to multiple carrier markets and appetite flexibility for hard-to-place classes
Placement options that include admitted and non-admitted carriers (some admitted markets available)
Underwriters experienced in product stewardship, traceability, and third-party testing exposures
Ability to handle complex distribution chains, private label arrangements, and importation risks
Underwriting Notes and Minimum Premium
To quote effectively, be prepared to provide a clear description of the product lines, supply chain (import sources), average annual sales by product line, quality control and testing procedures, recall history, and any existing product control protocols (labeling, instructions, consumer warnings). Accounts with product testing documentation and robust recall plans typically receive more competitive terms.
Minimum premium: $2,500. Pricing and placement will vary by product category, sales volume, and loss history.
Appetite and Common Restrictions
Good fits:
Wholesalers and importers with diversified product lines and established quality controls
Accounts needing product liability wrap for private label operations
Distributors seeking completed operations coverage for installation or repair services
Not typically a fit:
Retail storefronts that sell directly to consumers (unless packaged with wholesale operations)
High-hazard chemical manufacturers without documented controls or significant loss history
Accounts with unresolved or frequent product recalls without corrective action plans
Territories and Availability
Available in the following jurisdictions: 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. Market availability and admitted status vary by state and by carrier — Citadel will help identify the best placement for each jurisdiction.
Why Work With Citadel on Wholesaling Insurance
As a managing general agency focused on hard-to-place risks, Citadel Insurance Services pairs specialized underwriting with broad carrier access. Our broker partners benefit from pragmatic underwriting, quicker appetite responses, and tailored terms for complex distribution and import exposures. Use this program to help retain accounts you might otherwise have to refer out or decline.
Example Scenarios
You have a regional importer of recreational products that supplies retailers across multiple states and needs product liability limits plus a recall response plan — Citadel can seek markets that will consider the account with documented testing and recall controls.
A distributor of automobile performance parts sells to installers nationwide and needs completed operations coverage for installed parts — this program can evaluate completed operations exposures alongside product liability.
Frequently Asked Questions
What types of accounts are a good fit for Citadel’s Wholesaling Insurance program?Accounts that are primarily wholesalers, distributors, or importers of consumer, industrial, or specialty products are ideal — particularly when they need product liability, completed operations, or import-related liability solutions and have documented quality controls.
What submission information does Citadel need to quote?Provide a description of product lines, annual sales by product, supply chain/import origins, loss and recall history, product testing or quality control procedures, and any safety or labeling programs. Photos, MSDS (if applicable), and copies of agreements for private label work help accelerate review.
Are admitted markets available and where can business be placed?Citadel works with a mix of admitted and non-admitted carriers; some admitted markets are available. The program is available in the states listed above, and Citadel will identify the best market based on the account and jurisdiction.
What is the minimum premium and typical turnaround time?The program minimum premium is $2,500. Turnaround depends on account complexity; straightforward wholesale-only accounts with complete submission materials typically receive preliminary responses faster than multi-jurisdictional or high-exposure submissions.
Need help placing an account? Connect with a market specialist.