Storage Tank Environmental Policy (STEP)

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Benefits of the Program

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. Under federal requirements, owners and operators must demonstrate financial responsibility for taking corrective action and for compensating third parties for bodily injury and property damage caused by accidental releases arising from the operation of mainly underground storage tanks and in some jurisdictions above ground storage tanks. This includes releases that may occur from other components associated with the tank (e.g., piping, spill containment devices and dispensing equipment).

  • 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

Underwriting Contact

Michael Henk, Product Manager

For new business inquiries, please call 800.873.4552 or submit an application to


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

Storage Tank Resources

Click here for information regarding American Petroleum Institute's (API) service station contractor safety program or operator training programs.

UCPM Support

When you are logged into the system, you will find online chat options available. This is something we are committed to, and not something we outsource to someone else. When you chat with us online, you will be working with our team.

You can also contact the team by email
or phone:

Casey Springer, Program Manager

Bart Jarman, IT Manager

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