Storage Tank Environmental Policy (STEP) - Environmental Excess & Surplus- Philadelphia Insurance Companies

Storage Tank Environmental Policy (STEP)

Are you an existing PHLY producer?

  • Effective 12/31/2023, the portal managed by PHLY's Managing General Agent (MGA), UCPM, LLC will close.
  • If you would like a STEP quote from PHLY, please send your submission to to be handled directly

The PHLY Difference

PHLY's Storage Tank Environmental Policy (STEP) protects insureds from claims for bodily injury and property damage, and from remediation expenses associated with the confirmed release of contaminants into the environment from above-ground or underground storage tanks. This program meets federal requirements for owners and operators to demonstrate financial responsibility for taking corrective action and for compensating third parties for bodily injury and property damage.

Access via online web portal with submit to bind capabilities

  • Coverage meets EPA financial assurance requirements
  • Remediation Coverage for corrective action on and off site
  • Third Party Bodily Injury and Property Damage
  • Defense Expense
  • Image Restoration
  • Emergency Expense
  • Primary and Non-contributory language standard
  • 180 day automatic extended reporting period granted, to comply with financial assurance requirements

Coverage & Capacity

  • Up to $15M per occurrence/ $15M aggregate

Product Contact

Jon Peeples, Vice President

For new business inquiries, please call 855.585.6322 or submit an application:

Wholesalers: To

Retail Agents: Directly to your local Marketing Representative/Account Associate.

Regional Office List

Target Classes

  • Underground Storage Tanks
  • Above Ground Storage Tanks

Unacceptable Classes

  • Residential tanks
  • Tanks located at airports
  • Septic tanks and wastewater or storm water collection systems
  • Process tanks or oil water separators
  • Inoperative or not in service tanks
  • Portable tanks
  • In ground bare steel tanks without cathodic protection
  • Underground storage tanks greater than 30 years of age


Please select state specific forms when applicable.

Documents Required for Proposal

  • Completed and signed Storage Tank application or competitor's application
  • Last 3 years of storage tank loss runs
  • Recent tank tightness testing for any underground storage tank
  • Complete tank inventory schedule including location, tank size, tank construction, contents, piping construction and monitoring system

Policy Forms

Please select state specific forms when applicable.

Storage Tank Resources

Learn more regarding American Petroleum Institute's (API) service station contractor safety program or operator training programs.

Must for underground Storage Tanks

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