Insurance for USTs

Insurance and state funds are the most common mechanisms used by owners and operators to comply with financial responsibility requirements. The links below direct you to resources related to UST insurance.

Aging USTs—those systems that are 30 years old and older—increasingly make up a larger segment of the UST population. Some owners of aging USTs report having trouble renewing and finding insurance, with smaller UST owners struggling the most. In addition, many state UST implementing agencies are concerned about uninsured aging USTs exposing states to cleanup costs if owners don’t have financial resources. EPA’s UST Technical Compendium: Financial Responsibility, scroll to question and answer 13, presents suggestions for how to obtain and keep insurance coverage.
EPA Study on the Effectiveness of UST Insurance as a Financial Responsibility (FR) Mechanism (EPA-510-R-11-005). December 2011.
EPA undertook a study to assess the effectiveness of UST insurance as a FR mechanism, as well as to more broadly examine whether the current UST insurance structure provides owners and operators with the financial assurance EPA originally intended. This document summarizes the results of the study, identifies certain areas of concerns, and discusses potential next steps.
Guide to Tank Insurance (PDF) October 2011.
The Association of State and Territorial Solid Waste Management Officials (ASTSWMO) State Funds Task Force published this guide to assist owners and operators when purchasing UST insurance. It provides information regarding UST insurance policy construction, terminology, definitions, exclusions, and coverage that owners and operators should consider when purchasing their policy.
List of Insurance Providers for UST Financial Responsibility Requirements
This list of insurance providers may help UST owners and operators comply with financial responsibility requirements by providing a suitable insurance mechanism.
Please contact Emma Krulick at krulick.emma@epa.gov for revisions or additions.