Pollution Liability

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Envirosure Pollution Protection

Leaks and spills can be disastrous to your profitability. To maintain your profit margins, you need insurance protection that’s stronger than your storage tanks. TOPTANX’s coverage is designed to support your business, comply with EPA and state regulations - all at a competitive price for your underground and above ground storage tanks.

As a petroleum storage tank owner or operator, your business must meet the EPA and state mandated standards. Failure to show proof of financial responsibility may result in substantial fines by the State environmental regulatory authority and / or the Federal EPA. TOPTANX responded to these regulations by establishing a division dedicated to the special needs of this critical business segment, bringing the focused underwriting and claims expertise of our staff.

The Coverage

TOPTANX provides coverage for clean-up costs, bodily injury and property damage caused by an environmental incident at insured sites. Our basic policy is a claims-made form. Various coverage limits are available. The coverage is subject to an annual/per-policy aggregate.

The policy provides coverage for:

  • Government mandated clean-up costs, both on and off-site.
  • Third party bodily injury and property damage.
  • Defense costs are in addition to the policy limits.
  • Loading and unloading of underground storage tanks.
  • An automatic 6 month extended reporting period supplied in the event of policy cancellation or non-renewal by us or by the insured.

Optional Coverages

  • Optional coverage is available for a separate aggregate limit for each insured site, rather than a policy annual aggregate.
  • Additional insureds can be added as needed.

Other Policy Highlights and program parameters

  • Minimum per incident deductible of $5,000.
  • The EPA and state specific Certificates of Insurance are issued to all policyholders.
  • 24-hour claims handling. Call 1–800–336–1338.

Submission / Underwriting requirements

  • Complete application
  • Tank Data Sheets (per location)
  • Current Testing Results
  • Prior Carrier Declaration Page to Maintain Retroactive Date
  • Information on Past Leaks or Spills
  • Audited Financials on Accounts Seeking a Deductible of $25,000 or Higher

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