Underground Storage Tank Insurance

Specialty insurance solutions tailored to your unique needs.
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Getting to the bottom of your insurance coverage needs with XINSURANCE.

With over 40 years of experience, we understand the unique risks associated with underground storage tanks. We can provide the coverage solutions you need.

What is Underground Storage Tank Insurance?

XINSURANCE’s Underground Storage Tank insurance solution ties closely with our Pollution Liability solution that offers broad, flexible, and comprehensive pollution liability insurance for owners and operators of various risks on a claims-made policy form. Pollution liability is designed to respond to environmental liabilities resulting from pollution incidents at, under, or emanating from your property.

Under federal requirements, owners and operators must demonstrate financial responsibility for taking corrective action and for compensating third parties for bodily injury and property damage caused by accidental releases arising from the operation of aboveground or underground storage tanks. Nowadays, insurance carriers are non-renewing due to the age of the tanks.

Get customized underground storage tank insurance today!

Who Should Have Underground Storage Tank Insurance?

  • Gas Stations
  • Airports
  • Trucking Companies
  • Governmental Entities
  • Commercial Facilities
  • Agricultural Facilities
  • Heating Oil Distributors
  • Manufacturing Plants
  • Water Treatment Plants
  • Power Plants
  • Mining Operations
  • Construction Sites
  • And More!
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Underground Storage Tank Insurance Coverage Options

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Sudden and Accidental Release

This coverage is designed to address pollution incidents that happen unexpectedly and inadvertently, offering protection against the costs associated with bodily injury, property damage, and cleanup efforts resulting from a pollution event.

Non-Sudden Accidental Release

This coverage offers protection against liabilities and cleanup costs arising from gradual pollution events. These might include slow leaks, continuous or intermittent discharges, or releases of pollutants that happen over time rather than as a result of a single, identifiable event.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Inland Marine

Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Products Liability

Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage. Learn more.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

Learn More About Underground Storage Tank Insurance & Pollution Liability

General Exposure: what we offer

  • Our Pollution Liability coverage solution provides third-party bodily injury and property damage resulting from storage tank incidents involving scheduled storage tanks
  • Corrective action cost resulting from storage tanks
  • Policy/Certificate to satisfy federal and/or state requirements for financial responsibility
  • Coverage available in all states

Does UST insurance cover aboveground storage tanks (ASTs)?

Most insurance companies do not cover aboveground storage tanks (AST) under the same underground storage tank (UST) insurance policy. However, XINSURANCE can provide liability insurance solutions that can cover both USTs and ASTs.

How much does underground storage tank insurance cost?

The cost of underground storage tank (UST) insurance varies widely based on several factors, including the size and age of the tanks, the type and quantity of substance stored,  the location, the tank construction and materials, desired coverage limits and deductibles, past claims history, and more.

To get a more accurate cost of UST insurance, please contact us to talk about your insurance needs so we can provide a personalized quote.

What does UST insurance cover?

Underground Storage Tank (UST) Insurance typically covers the cost of cleaning up pollution caused by leaking tanks, the repair or replacement of the damaged tank, liability for injury to third parties or damage to their property, and defense costs associated with claims.

Why is underground storage tank insurance necessary?

Underground storage tank insurance is required by federal and state laws for certain tank owners and, even when not required, it offers crucial protection against substantial financial liabilities that can result from leaks or spills.

What is the difference between sudden and accidental, and non-sudden accidental coverage?

Sudden and Accidental coverage responds to pollution incidents that occur abruptly within a short, defined period, while Non-Sudden Accidental covers pollution events that occur gradually over a longer time.

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

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Underground Storage Tank Insurance Flyer

Please click the button below to check out our flyer, which includes a list of limits and coverages for underground storage tank insurance and pollution liability insurance.

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service