Numbers that define
what serious coverage looks like.
Every metric below represents a real policy, a real client, and a scenario that conventional underwriters declined.
A Tier I chemical manufacturer operating a 340-acre ammonium nitrate storage complex in Texas City needed coverage after three consecutive insurers declined at binding. EPA Tier II thresholds exceeded. Adjacent residential population within 1.2 miles.
Primary property + CGL + environmental impairment liability + regulatory defense + emergency response cost reimbursement. Structured across four admitted carriers with HazMatGuard as lead.
Bound in 19 days. Full regulatory defense coverage included. Client passed EPA Risk Management Plan audit six weeks post-binding.
A Class I railroad routing 1,200 chlorine tank cars annually through Chicago, Cincinnati, and St. Louis — all within 1-mile of hospital districts. DOT Emergency Response Guidebook requirements triggered. State emergency management agencies demanding proof of coverage before route approval.
Railroad liability + hazmat response cost + third-party property damage + governmental entity liability + CERCLA defense costs. Manuscript policy form developed over 11 weeks.
Route approvals granted in all three states. $2.1B in annual chlorine shipments protected. Zero coverage gaps across 14 jurisdictions.
Port of Savannah risk management team required umbrella coverage before a vessel carrying 4,200 metric tons of mixed oxidizers could dock. Standard marine underwriters excluded oxidizer cargo. State fire marshal threatening to block berth access.
Port authority liability + cargo liability + environmental pollution + regulatory defense + emergency response coordination. Includes pre-approved incident command protocols with USCG District 7.
Coverage bound 72 hours before vessel arrival. Fire marshal approval obtained. Port authority maintained uninterrupted operations through a subsequent EPA inspection.
A lithium-ion battery distribution warehouse in Ontario, CA — 280,000 sq ft, 4.2 million cells in inventory — needed coverage after a competitor facility fire triggered statewide re-underwriting reviews. Cal/OSHA investigation pending.
Commercial property (special form, no exclusions for thermal runaway) + products liability + regulatory defense + business interruption with extended period + crisis management expense.
Policy bound with zero thermal runaway exclusions. Cal/OSHA investigation concluded with no citations. Client expanded to three additional facilities under master policy.
Five substance classes.
Zero standard market coverage.
Full HazMatGuard protection.
- Tank farm property (all-risk, no vapor exclusion)
- Pipeline liability — third-party bodily injury & property damage
- Transportation liability — rail, highway, marine
- Environmental impairment liability — sudden & gradual
- Business interruption — including regulatory shutdown
Standard market typically excludes: vapor cloud explosion, BLEVE events, wildfire interface. HazMatGuard writes all three.
- Rail car liability — chlorine & acid tank cars
- Storage tank property & pollution
- Worker bodily injury — acid exposure (excess)
- Third-party bodily injury — plume modeling coverage
- Regulatory defense — OSHA PSM & EPA RMP audits
Hydrofluoric acid typically uninsurable in standard market. HazMatGuard has written HF coverage for 14 facilities.
- Storage yard property — ammonium nitrate specific
- Explosion liability — third-party & governmental entity
- CERCLA/Superfund defense costs
- Emergency response cost reimbursement
- Port/terminal liability for oxidizer cargo
Post-Beirut Port explosion, all standard markets exclude ammonium nitrate in quantities >500 tons. HazMatGuard writes to 50,000 tons.
- Toxic release liability — community exposure
- Medical monitoring costs — regulatory requirement
- Evacuation expense reimbursement
- Mass casualty event coverage
- Long-tail bodily injury — latent disease
Extremely high acute toxicity (EHAT) materials require manuscript policy forms. Standard ISO forms exclude all EHAT substances.
- Nuclear liability — Price-Anderson Act compliant
- Radioactive contamination cleanup
- Carrier/shipper liability — NRC licensed
- Medical facility radioactive source
- Decommissioning cost coverage
Nuclear exclusion in standard CGL removes all radioactive material coverage. HazMatGuard provides standalone radioactive material liability.
Calculate your exposure rating
before your broker does.
Select your substance class, storage volume, and nearest population center to receive an instant exposure rating — and understand whether your current coverage is adequate.
Conventional market coverage likely available.
This rating is illustrative. Actual underwriting requires full submission review.
Specifically in multi-modal transport corridors crossing state lines — a gap most discover only after an incident.
Facilities without pre-positioned regulatory defense coverage spend 11x more on EPA/OSHA response versus those with manuscript policies.
For Class 8 corrosive releases in urban corridors — the median cost for facilities relying on standard CGL with pollution exclusions.
↓ Full report: 48 pages · 214 data points · DOT class breakdown by state · Regulatory exposure matrix
Download the 2025
HazMat Exposure Report
The only annual report built from actual underwriting submissions — not public incident databases. Coverage gap analysis by substance class, state-by-state regulatory exposure index, and real cost data from 847 claims processed in 2024.