Owners of storage tanks are exposed to a range of pollution exposures. ENCON's Pollution Liability and Cleanup Costs insurance policy protects owners and/or operators of above ground or underground storage tank systems against potential claims should the tanks cause environmental contamination. It covers on-site and off-site cleanup, and third party liability (bodily injury and property damage) for pollution conditions resulting from the insured storage tank systems.

Coverage is available for owners or operators of above ground or underground storage tanks, including the following:

• Service stations, independent fuel companies
• Bulk plants, farming
• Construction companies, trucking companies
• Private airports
• Marinas
• Convenience stores, gas bars
• Auto dealerships, car rental agencies
• Multiple unit residential building owners
• Municipalities
• Any commercial risk with pollutants contained in storage tanks

• Policy Form – The insurance is written on a claims-made basis
• Policy Period – Annual or multi-year policies
• Capacity – Limits up to $10,000,000 each incident/aggregate; Full limits for both on- and off-site exposures
• Minimum Deductible – $5,000
• Minimum premium – $1,500
• Territory – Coverage for storage tanks located in Canada

• On-site and off-site cleanup for releases from above ground and underground tanks (full limit for on-site cleanup)
• On-site and off-site third party liability (bodily injury and property damage) for pollution conditions from insured storage tank systems
• Loading/unloading coverage is automatically included
• Supplementary Payments are included in the coverage agreements and do not reduce the limit of liability (certain conditions apply)
• Coverage for cleanup costs is triggered by discovery of a confirmed release from a storage tank system
• The Intentional Non-Compliance exclusion applies only if a “responsible insured” caused the non-compliance, not just any insured
• Internal expenses incurred by the insured can be recouped as part of a covered claim, if they are incurred in response to an emergency or pursuant to environmental laws that require immediate remediation
• 60 days notice of cancellation; a notable exception exists for non-payment of premium, which is 15 days for policies governed by Quebec law and 10 days for policies in other provinces
• Separation of Insureds: Misrepresentation, concealment, breach of the policy terms or violation of a duty under the policy by one named insured shall not prejudice the interest of coverage of another named insured
• Automatic extended reporting period of 90 days
• The Other Insurance condition explains that the policy is primary
• The definition of cleanup costs includes restoration costs

• A completed ENCON Pollution Liability and Cleanup Costs Insurance for Storage Tanks application form *
• All applications must be submitted to ENCON through a licensed insurance broker

* Please note that there are separate application forms for quotes on new submissions and for renewals.

Professional Liability & Construction