List of Known Insurance Providers for Underground Storage Tank Owners and Operators
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List Of Known Insurance Providers For Underground Storage Tank Owners And Operators CONTENTS Using This Booklet To Help Meet Financial Responsibility Requirements ....................................................................... 1 How Can You Get The Most Current List? ........................... 2 Need More General Information About USTs Or Financial Responsibility? ..................................................................... 2 List Of Insurance Companies ............................................... 3 List Of Insurance Agents And Brokers .................................. 5 Model Of “Endorsement” Criteria ........................................ 18 Model Of “Certificate Of Insurance” Criteria ........................ 19 Please note: • The following list is not an endorsement by EPA of the products or services provided by these companies, agents, and brokers. • You are free to contact anyone you believe can meet your insurance needs. • The following list is not necessarily comprehensive because it captures only those who have contacted us as of the date of this publication. USING THIS BOOKLET TO HELP MEET FINANCIAL RESPONSIBILITY REQUIREMENTS The U.S. Environmental Protection Agency (EPA) developed financial responsibility regulations to ensure that underground storage tank (UST) owners and operators can pay the costs of cleaning up leaks from USTs and compensate third parties for bodily injury or property damage resulting from leaks. The financial responsibility regulations (40 CFR Part 280, Subpart H) allow UST owners and operators to choose from Who’s Who? a variety of financial mechanisms to comply with the regulations. One of these financial mechanisms is the use of Insurance Company Or insurance. Insurer A corporation or association In order to facilitate access to UST insurance, EPA engaged primarily in the developed this booklet based on information it received from business of furnishing the listed companies, agents, and brokers. The companies, insurance to the public. agents, and brokers listed may help you – as an UST owner The party to the insurance or operator – find the UST insurance that can fulfill your contract who promises to pay financial responsibility obligation. See the text box on the losses or benefits. right for a description of the roles of companies, agents, and brokers. Insurance Agent An insurance company IMPORTANT: It is your responsibility to make sure representative who solicits, the coverage you are offered meets federal negotiates or effects contracts requirements and any state or local requirements of insurance, and provides that may apply to your USTs. service to the policyholder for the insurer. Under federal requirements, in order to fully demonstrate financial responsibility using an insurance Insurance Broker policy, your insurance policy must provide coverage for A marketing specialist who taking corrective action and for compensating third represents buyers of property parties for bodily injury and property damage caused by and liability insurance and both nonsudden and sudden accidental releases arising who deals with either agents from the operation of an UST. You should contact your or companies in arranging for state environmental agency to be sure that your the coverage required by the insurance policy meets state requirements. customer. Some insurance companies sell insurance policies that provide only partial coverage (e.g., only provides coverage for third-party liability). If you decide to purchase such a policy, you will need to demonstrate financial responsibility for the remaining coverage in order to fully comply with the federal requirements (e.g., through the use of another financial mechanism). It is your responsibility to understand what type of coverage is provided by your insurance policy. If you choose to use insurance to demonstrate financial responsibility, you should contact your state insurance regulatory agency to be sure that your insurer and broker or agent is authorized to provide that type of insurance. To get contact information for your state insurance regulatory agency, call the National Association of Insurance Commissioners at 816-842-3600 or visit its website at the following Internet address: www.naic.org/state_web_map.htm. List Of Known Insurance Providers For UST Owners And Operators Page 1 November 2020 If your insurer adds your UST coverage to an existing policy, your insurer should provide you with an endorsement that conforms to the “Endorsement” criteria described in §280.97 of the financial responsibility rule (40 CFR Part 280, Subpart H). If your insurer provides you with a new policy, it should conform to the “Certificate Of Insurance” standard also described in §280.97 of the financial responsibility rule. See pages 18 and 19 of this document for these criteria or you can read the rule at the following Internet address: www.epa.gov/ust/underground-storage-tanks- usts-laws-regulations HOW CAN YOU GET THE MOST CURRENT LIST? The companies, agents, and brokers listed on the following pages have identified themselves as willing to deal with UST insurance. The following is not a comprehensive list because there are doubtless other companies, agents, and brokers who have not yet identified themselves to EPA. EPA will periodically update this list. You can find the most current version on EPA’s UST website at: www.epa.gov/ust/publications-related-underground-storage-tanks. Printed copies of this list will not be available. It is not practical to update and reprint them as often as EPA can update the version available on the website. NEED MORE GENERAL INFORMATION ABOUT USTs OR FINANCIAL RESPONSIBILITY? You can go to EPA’s website at www.epa.gov/ust/publications-related-underground-storage-tanks to read or download a copy of Dollars And Sense: Financial Responsibility Requirements For Underground Storage Tanks (EPA 510-K-18-01), a booklet that briefly and clearly summarizes the financial responsibility requirements. List Of Known Insurance Providers For UST Owners And Operators Page 2 November 2020 LIST OF INSURANCE COMPANIES AIG TankGuard Insurance Program Chubb Formerly Chamber Insurance Agency Services c/o Chubb Environmental Risk 100 Executive Drive 436 Walnut Street West Orange, NJ 07052 Philadelphia, PA 19106 Phone: 800-336-2007 Phone: 215-640-1451 Fax: 973-731-2288 Contact: Robert Winterburn Internet: www.aig.com Email: [email protected] Area of Coverage: United States Internet: www.chubb.com/us/tanksafe Area of Coverage: United States Allied World Assurance Company 311 S. Wacker Drive, Suite 1100 Crum & Forster, Environmental Division Chicago, IL 60606 305 Madison Avenue Phone: 312-646-7742 Morristown, NJ 07962 Contact: David Lau Phone: 678-504-6789 Email: [email protected] Fax: 877-622-6603 Internet: www.sti-bind.com Contact: Scott Kreuzer Area of Coverage: United States Internet: www.cfins.com Area of Coverage: United States Argo Environmental 7272 E. Indian School Road, Suite 500 Freberg Environmental, Inc. Scottsdale, AZ 85251 2000 S. Colorado Blvd, Tower II, Suite 800 Phone: 480-751-2673 Denver, CO 80222 Fax: 804-327-3175 Phone: 720-931-2135 Contact: Scott Trueba Fax: 303-623-8101 Internet: argolimited.com Contact: Kelly Schanzenbach Area of Coverage: United States Internet: www.feiinsurance.com Area of Coverage: United States Berkley Environmental Two Ravinia Drive, Suite 1100 Garage Service Equipment Dealers Liability Atlanta, GA 30346 Association of America Phone: 404-443-2008 8722 South Harrison Fax: 888-201-8109 Sandy, UT 84070 Contact: Greg Travis Phone: 801-304-3788 Email: [email protected] Fax: 877-452-6910 Internet: https://berkleyenvironmental.com Contact: Mike Fennell Area of Coverage: United States Internet: www.smallcompanyinsurance.com Area of Coverage: United States except CA, CT, NH, Century Surety Insurance NJ, NY, RI 550 Polaris Parkway Westerville, OH 43082 Liberty International Underwriters Phone: 614-823-6264 55 Water Street Contact: Brian Ritchie 18th Floor Email: [email protected] New York, NY 10041 Internet: home.centurysurety.com/Environmental.html Phone: 212-208-4100 Area of Coverage: United States Internet: www.liu-usa.com Area of Coverage: United States NOTE: It is your responsibility to make sure the coverage you are offered meets federal requirements and any state or local requirements that may apply to your USTs. Under federal requirements, in order to fully demonstrate financial responsibility using an insurance policy, your insurance policy must provide coverage for taking corrective action and for compensating third parties for bodily injury and property damage caused by both nonsudden and sudden accidental releases arising from the operation of an UST. You should contact your state environmental agency to be sure that your insurance policy meets state requirements. List Of Known Insurance Providers For UST Owners And Operators Page 3 November 2020 Mid-Continent Group 1437 S. Boulder Ave Ste 200 Tulsa, OK 74119 Phone: 918-588-1218 Fax: 918-588-1295 Contact: Lynn Marchbank Internet: www.mcg-ins.com Area of Coverage: AR, AZ, CA, CO, CT, DE, IA, ME, MD, MI, MN, MO, NE, NJ, NM, NY, NC, OH, OK, OR, PA, SC, TX, UT, VA, WA, WV, WI, WY Petroleum Marketers Management Insurance Company (PMMIC) Box 7628 Urbandale, IA 50323 Phone: 515-334-3001 Fax: 515-334-3013 Contact: Patrick Rounds Internet: www.pmmicinsurance.com Area of Coverage: AZ, CT, IA, KS, NM, OR, WI Prime Insurance Company 8722 S. Harrison St. Sandy, UT 84070 Phone: 801-304-5804 Contact: