The Process

The PMMIC application process is the most comprehensive in the industry. Our goal is to assist our insureds with achieving and maintaining compliance with state and federal requirements. When the application process is complete and your site is covered by PMMIC, you can rest assured that your policy is tailored to fit your facility.

Here’s a breakdown of the documents, forms, and tests PMMIC will need to process your application. Not every step applies to every facility. If you aren’t sure what steps apply to your site, contact the PMMIC underwriters!

  1. Tanks must be properly registered with the state.
  2. Collect the Following Information:
    1. Evidence that your site has been analyzed for petroleum contamination according to insurance guidelines, if available or required by PMMIC. See How to Analyze Your Site for Petroleum Contamination (pdf) for more information.
      1. If contamination has been confirmed to currently exist at your site, complete the Certificate of Known Petroleum Contamination at Insured Facility(Word.doc) form.

      2. If it is NOT known if contamination exists, complete the Certificate of Possible of Unknown Contamination at Insured Facility (pdf) form.

    2. Current leak detection records for tanks and piping, as described in Methods of Leak Detection (pdf).

    3. Precision tank and line tightness tests. Tanks must pass a 0.1 gph test at the third-party certified level for the equipment performing the test.

    4. Corrosion expert's report on the design and test points of the cathodic protection system and the cathodic test results, if the system is cathodically protected.  If the system uses Impressed Current, include the rectifier log.

    5. Internal Inspections of steel tanks over 10 years old and every five (5) years thereafter, if applicable.

    6. Evidence that your tanks meet upgrade and/or new tank standards as outlined in state requirements for newly installed tank systems. In addition to the above, a copy of the following is needed:

      1. Installation inspection report
      2. Tank registration form from the new installation or upgrade
      3. A scaled diagram of the property, showing the location of the tanks, lines, dispensers, any monitoring wells, buildings, etc.
      4. Secondary containment testing
    7. Complete the PMMIC UST or AST Application

  3. Once the underwriters receive your application and the collected information, it will be reviewed, and you will receive written notification if additional information is needed. When PMMIC has all of the required information, you will receive a billing notice for the amount of premium to submit.

If applying for full coverage, PMMIC will also conduct a pre-binding inspection to determine that the records provided are accurate to the site and that the site is in compliance with state and federal requirements. PMMIC may require that compliance violations be addressed prior to binding coverage.

Questions about The Process? Contact the PMMIC underwriters today!

2894 106th St. Ste. 220 Urbandale, Iowa 50323