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Overview of the Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers an Underground Storage Tank (UST) Liability program designed for agents who need a market for scheduled tank accounts. This program provides third-party liability and corrective action cost coverage for releases from scheduled tanks, and it can satisfy federal or state financial responsibility requirements where applicable. Policies are available on an admitted or non-admitted basis depending on state and placement. Ideal Accounts and Appetite Retail fuel sites and convenience stores with scheduled USTs Fleet fueling depots, commercial fueling locations and private fueling sites Fuel distributors and dealers who maintain on-site storage tanks Agricultural and industrial sites with properly scheduled tanks The program generally focuses on tanks that are properly documented and scheduled on the policy. Accounts with undocumented tanks, known active large-scale contamination, or repeated prior releases typically require additional underwriting or preclude placement. Coverage Highlights and Advantages Third-party bodily injury and property damage liability resulting from covered storage tank incidents involving scheduled tanks Corrective action and remediation cost coverage for covered releases from scheduled storage tanks Policies/certificates intended to meet federal and state financial responsibility requirements where applicable Available on admitted or non-admitted paper to suit state and account needs Enhanced coverage options and flexible definitions, including: Customizable Limits of Liability and deductible selections Choice of Coverage Territory Clarified definitions for "additional insured", "first named insured", and "remediation costs" Enhanced Extended Reporting Period terms Underwriting Notes and Minimum Premiums Program accepts scheduled tanks only—each tank must be disclosed on the application. Underwriting considers tank age, construction (steel vs. fiberglass), release history, environmental compliance, and any prior corrective action. Minimum premium: $350. Limits available from $500,000 per occurrence / $1 million aggregate up to $5 million per occurrence / $5 million aggregate. Simple application process: agents can expect fast turnaround on quotes when the application is fully completed. Continental Risk often can issue binding policies and financial responsibility certificates the same day when underwriting requirements are met. Territories and Availability This program is offered in most states. Continental Risk is able to place business 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. Availability and admitted status may vary by state; the program supports both admitted and non-admitted placements where appropriate. Why Work With Continental Risk on UST Liability Wholesale broker access to multiple carriers and flexible paper options for admitted or non-admitted placements. Program terms tailored to tank operators and owners who need both liability and corrective action coverage that meets state financial responsibility rules. Fast, efficient service with a streamlined application and same-day issuance when submissions are complete. Enhanced policy language and optional extended reporting periods provide added clarity and value compared with basic forms. Example account scenarios You have a convenience store client with two modern, double-walled underground tanks and no release history — this program can provide liability and corrective action coverage and issue the FR certificate needed for compliance. You represent a small transportation company with an on-site fueling depot and scheduled tanks — the program can be used to secure limits up to $5M and customize deductibles and territory language. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts with documented, scheduled underground storage tanks and clear compliance histories are the best fit—examples include retail fuel sites, private fleet fueling depots, and fuel distributors with scheduled tanks. Are policies available admitted or non-admitted?Yes. Continental Risk can place this program on either admitted or non-admitted paper depending on the state, carrier appetite, and the insured’s needs. What limits and minimums are available?Limits range from $500,000 per occurrence / $1 million aggregate up to $5 million per occurrence / $5 million aggregate. The program has a $350 minimum premium. How fast can I get a quote or certificate issued?With a fully completed application and required underwriting information, Continental Risk typically provides quick quotes and can issue policies and financial responsibility certificates the same day in many cases. Need help placing an account? Connect with a market specialist.

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.