The Link Between UST Compliance and Insurance Coverage

Your insurance policy may cover fuel spills and tank failures—but only if you’re in compliance. What many UST owners don’t realize is that insurance coverage can be denied if maintenance, testing, or documentation falls behind.

Let’s break down the critical connection between underground storage tank (UST) compliance and your ability to stay protected when it matters most.

Out-of-compliance tanks are considered “known risks”

If your tank hasn’t been tested for cathodic protection, if your records are incomplete, or if water or corrosion has been ignored—your insurance carrier may treat that as neglect, not an accident.

Result:

Claims for environmental damage or equipment replacement may be reduced or denied entirely.

What insurers often require

Most insurance companies that cover fueling sites require proof of:

• Regular cathodic protection testing (every 3 years for galvanic, annually for ICCP)

• Leak detection system functionality

• Monthly visual inspection logs

• Spill bucket integrity testing

• Repair and maintenance documentation

Without this documentation, your claim is at risk—even if the issue was unintentional.

Compliance = Risk Mitigation = Lower Premiums

Insurance companies love proactive operators. When you demonstrate:

• Preventive maintenance

• Clear inspection history

• Prompt issue resolution

• Partnering with a certified environmental firm like Adelphi

…you’re more likely to receive better rates and faster claim approvals. Some insurers even require environmental service partners as part of a preferred vendor program.

Red flags that could jeopardize your policy

• You haven’t scheduled cathodic testing in over 3 years

• Your leak detection logs are incomplete or missing

• Water has been found in your fuel system, but no corrective action was taken

• Your service records are handwritten, outdated, or hard to retrieve

• Your site has failed an inspection but never documented the correction

How Adelphi Protects Your Policy (and Your Operation)

We help keep your site insurable and claim-ready by:

• Conducting all required EPA and state-level testing

• Providing digital, time-stamped reports for every service

• Flagging and fixing small issues before they affect insurability

• Giving you third-party validation in the event of a claim

Give Your Insurer Confidence—Before You Ever File a Claim

Staying compliant isn’t just about avoiding fines. It’s about protecting the policy that protects your business. We help you stay ahead of every requirement—and give you the documentation to prove it.

Book a free consultation to review your site’s current compliance status and risk exposure.