Insurance FAQs
Eric R. GreitensGovernor

Insurance FAQs

Question 1: I have installed new USTs and would like to insure them, what do I need to do? UST
Answer 1: The following must be performed:

  1. Complete an application that can be downloaded from this web page under the Tank Insurance section or apply for insurance coverage online;
  2. Register the tank systems with the Missouri Department of Natural Resources;
  3. Provide a copy of the manufacturer’s checklist to show what type of tanks and piping were installed and that they were installed properly;
  4. Provide a copy of the invoice documenting the type of equipment that was installed for spill and overfill prevention equipment, leak detection equipment, etc., OR provide third-party verification from the installer in writing of this information.

Question 2: I have sold or purchased a site; what do I do with the insurance coverage? UST & AST
Answer 2: The PSTIF insurance policy automatically cancels on the date the sale takes place. The policyholder (seller) may be offered an Extended Reporting Period at the time of the sale.

The buyer can apply for a new insurance policy by completing the application located under the Tank Insurance section of our web page.


Question 3: How often do I have to test my pressurized product lines and line leak detectors? UST
Answer 3: Pressurized lines must be tested on an annual basis at a .1 gph leak rate.

All pressurized product lines are required to have line leak detectors on them. These line leak detectors must be tested once a year to make sure they are in working condition.

If you have double-walled pressurized product lines with a continuous line leak detector, the line leak detector must be checked once a year to make sure it is in working condition. If the line leak detector is not continuous, then a line tightness test and a check of the line leak detector is required once a year.


Question 4: How often do I have to test the cathodic protection system on my tanks and/or piping? UST
Answer 4: All cathodic protection systems, sacrificial or impressed, must be tested every 3 years by a corrosion tester. If the system is not maintaining adequate protection, it must be repaired and re-tested until adequate protection can be maintained.

Please note that for impressed cathodic protection systems, a log must be maintained to show that the system is working. This log would include a date that the rectifier box was checked, who checked it and the readings from the rectifier box. (The readings would include the number on the hour meter, the amp/volt amount, and if you have a system that provides a green/red light to indicate if the system is on and working, record the color of the light).


Question 5: How long does it take to approve an application for insurance? UST & AST
Answer 5: The PSTIF will review an application within 30 days of receipt. Many times if the submissions are not complete, additional time is required to request the information from the applicant.

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