Product escapes during delivery
Hoses, overfills and crashes can affect roads, customer land, or water.
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Petroleum And Petroleum Product Wholesaler Insurance
Your delivery responsibility reaches the customer's tank. Review overfills and fuel-quality claims alongside the trucks that make the trip.
Talk with The Southern Agency about your operation, policy terms, and the information carriers need.
Industry overview
You supply fuels and lubricants to various commercial, industrial, and agricultural customers. If a delivery vehicle is involved in an accident, a tank overfills, or fuel you supply is found to be contaminated, you may face cleanup costs or equipment damage claims.
The Southern Agency can review your deliveries and any storage, blending or repackaging you perform. We can help you compare spill protection with cargo and product liability, keeping the value of lost fuel separate from cleanup and damage to a customer's equipment.
Risks worth discussing
Stored fuel burns or leaks
Tanks and pumps create property and environmental exposures that differ from fleet risks.
Wrong or contaminated product is supplied
Off-spec fuel can damage engines or lead to replacement and delay demands.
Loads and values change
Commodity prices affect cargo values; blending, metering faults, and employee handling can interrupt operations.
Coverage worth discussing
Policies to ask about. Which ones fit depends on your operations, your contracts, and the carrier’s forms.
Ready to compare options?
Get a quote for Petroleum and Petroleum Product Wholesaler Or call 1-800-777-1TSA- Environmental Liability InsuranceEnvironmental terms should include declared site, transport, and customer delivery releases, with gradual/underground interests specifically reviewed.
- Business Auto InsuranceAddresses liability from tank-truck accidents, with vehicle damage if selected. Disclose commodities and unloading operations. Required filings do not establish full reimbursement for every spill or replace review of pollution terms.
- Motor Truck Cargo InsuranceCargo must accept petroleum, contamination, and ownership; lost product and cleanup are separate interests.
- Commercial Property InsuranceCan address insured physical damage to your tanks, pumps and stored product. Identify each storage location and ownership interest; underground property must be expressly included.
- General Liability InsuranceGL may address covered non-pollution operating claims; delivery auto and custody boundaries need coordination.
- Product Liability InsuranceProduct liability may address covered engine or other-property damage; bad-fuel replacement, recall, and pure performance costs can be excluded.
- Umbrella / Excess Liability InsuranceExcess should follow intended auto, product and pollution liabilities; standard umbrella wording may leave pollution outside.
Situations to think through
These hypothetical examples are not agency claim results. Whether a loss is covered depends on the facts, policy terms, and applicable exclusions.
Hypothetical: Tanker rolls over
A loaded tanker rolls over, damaging another vehicle and releasing fuel onto the road. Auto liability, the value of lost product and spill cleanup require separate review across the auto, cargo and pollution policies.
Hypothetical: Customer tank is overfilled
A delivery overfills a customer's tank and fuel reaches the surrounding soil. Review whether the environmental policy includes customer-site unloading and who has the immediate response duties.
Hypothetical: Water-contaminated diesel damages engines
A customer alleges water-contaminated diesel damaged several engines. Product liability may address covered resulting damage after investigation; replacing the fuel and withdrawing other deliveries are separate questions.
Before you talk to an agent
Questions to raise
- Disclose storage, blending, and repackaging.
- Update values for typical and maximum loads.
- Review spill, cargo, product, and pump-income gaps.
Contract terms to check
- Supply terms should allocate custody, fuel grade, unloading, and quality disputes. Regulatory obligations vary with cargo, tanks, and routes; confirm actual filings and assurance requirements independently. Employees need suitable protection, and pump breakdown/income is not automatic under property cover.
What the agent conversation looks like
Start with the work you do and the questions your current policies leave unanswered. Carrier options depend on your location, risk, and underwriting. Explore our approach.
- ListenReview your operations, current coverage, and past claims.
- AssessIdentify potential hazards and discuss ways to reduce risk.
- BuildDiscuss policy and carrier options, premium costs, and audits.
- SupportReview changes and help you plan ahead as your needs develop.
Questions owners ask
Why does a petroleum wholesaler need separate pollution coverage?
Pollution exclusions can restrict fuel release claims; suitable site/transit terms must accept the operation.
Are spills during delivery covered?
Only where the delivery location, release, and activities fit the environmental form.
What protects my tank trucks?
Auto covers selected road interests; cargo, cleanup, and unloading require coordinated review.
Does product liability apply to fuel quality issues?
Covered engine/property damage may qualify; fuel refunds, recall, and pure output guarantees are separate.
How are my storage tanks insured?
Declare ownership, above/underground location, and tank condition. Property and environmental interests differ.
Is umbrella coverage worth it for fuel haulers?
Additional limits may help accepted primary claims, but verify pollution and product scope rather than relying on the umbrella label.
Talk through your petroleum and petroleum product wholesaler coverage
Bring your questions, current policies, and relevant contracts. An agent can review coverage terms, exclusions, and the information carriers ask for, then explain the options available to you.