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Pollution Liability

What to Know About Pollution Liability

We all like to think we’re doing our bit for the environment. After all, it’s in everyone’s best interests to preserve it rather than polluting it. While we all take the necessary precautions to prevent pollution damage from occurring, accidents can and do happen. And fuel is a leading cause of pollution damage.

Since we all rely on it so heavily, the need for fuel storage is high. Many businesses require storage tanks to keep fuel in surplus so they can continue to run their business or entity efficiently. Over time, however, fuel tanks can deteriorate, or events beyond our control can cause damage to the tanks. The result is fuel leaking or emanating into the environment causing environmental damage and/or bodily harm to individuals.

When accidents do occur, owners and operators are financially responsible for providing compensation to damaged parties and taking the corrective action to remedy the situation.

These costs can be devastating to a person or business, and XINSURANCE recognizes the importance of being adequately covered for such eventualities.

Do You Need Pollution Liability Insurance?

XINSURANCE’s solution to pollution liability insurance is a broad and comprehensive plan with flexible options, allowing the policyholder to be fully covered for any eventuality that arises from pollution damage from fuel tanks.

The insurance is designed to respond fully to tank pollution incidents arising on, under or emanating from your property.

Tank owners and operators need to be able to demonstrate they have financial responsibility for compensating damaged parties whether its bodily damage or property damage caused by underground or above ground storage tanks.

These days, carriers are non-renewing. This is down to the age of the tanks.

XINSURANCE is pleased to offer a comprehensive insurance solution to provide sufficient coverage in the event of an accidental release of fuel from your above or underground tanks.

The policy is built to provide coverage for the following:

  • Gas stations
  • Government entities with their own gas or diesel
  • Agricultural risk (with above or underground storage tanks)
  • Heating oil distributors (with above or underground storage tanks)
  • Airports (with above or underground storage tanks)
  • The trucking industry (with above or underground storage tanks)

Comprehensive Coverage For Your Above or Below Ground Tanks

We’re also proud to be able to offer pollution liability for trucks and trucking companies with their own fuel tanks whether underground or overground.

Since many businesses or facilities can’t run without having large amounts of fuel in stock, it’s essential for them to have their own fuel supplies stored on the business or facility premises.

The danger is that these supplies become a huge liability due to the volatility of the fuel. One accident can financially cripple a business or government entity due to the large-scale damage that is potentially caused.

XINSURANCE’s Pollution Liability insurance can prevent financial disaster for businesses. It’s a comprehensive policy that gives you the protection you need.

Our Pollution Liability solution provides the following:

  • Coverage provides 3rd party BI and PD resulting from storage tank incidents involving scheduled storage tanks
  • Corrective action cost resulting from storage tanks
  • Policy and certificate to meet state or federal requirements of financial responsibility
  • Claims-made form
  • All states covered, except New Jersey
  • Annual aggregate max amount of coverage required to cover on an annual basis no matter how many releases occurred
  • Policies quoted on a claims basis
  • Limits up to $1 million/$2 million

Please note that coverage is suspended during repairs, modifications to tanks or replacement of tanks and related systems.

Other features of the policy include:

  • Coverage for sudden accidental release
  • Coverage for non-sudden accidental release
  • Coverage for SIR BI/PD for 3rd party liability (minimum deductible and/or SIR $10,000) – depending on the state and limit requirements
  • Policy limits vary depending on the state you’re in


  • Coverage for any prior or existing leaks and contamination
  • Empty tanks or tanks that are not in use (must be removed or sealed according to state or federal requirements)

We’re sure that as a business owner or government entity, you’re already taking the necessary precautions and safety measures to ensure that a leak or other pollution problem doesn’t happen.

The last thing you want is to pollute the environment because of an issue that you didn’t spot, but occasionally accidents or incidents do happen that are beyond your control.

That’s why XINSURANCE has found solutions to this policy to cover such eventualities.

Think of it as your safety net to prevent you from costly lawsuits and potential financial ruin.

We’re confident that our Pollution Liability for businesses is one of the most comprehensive on the market. Our aim is for you to run your business or government entity without fear of having adequate insurance in place should a problem occur. You can continue your day to day business free from stress and anxiety.

Getting In Touch

If you would like to talk to one of our highly experienced team members about how we can help you set up pollution liability insurance, then please do not hesitate to get in touch.

It’s easy to contact us via our website or by calling or even popping into our Salt Lake City office for a face to face chat. Alternatively, if you prefer, you can send us a message via our Facebook page or Twitter account, or connect with us on Youtube, LinkedIn, and Instagram

No one likes to find themselves responsible for creating pollution – especially from something so damaging as fuel. But if you do run a business or entity that relies on the storage of fuel in above or below ground tanks, XINSURANCE can get you comprehensively covered and minimize the financial risk for you.

XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We’re the liability insurance specialists. As well as providing pollution liability solutions, we also have an extensive range of liability insurance products available.

No matter what your business, we can provide the liability coverage to protect you. Don’t find yourself in the midst of an expensive lawsuit due to pollution damage or otherwise. Invest in liability insurance and have the peace of mind you deserve.

Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.