Definition of Insured - Entity and those who serve as officers, employees, partners, members and shareholders. Landlords- "automatic if obligated."

Source of Pollution Liability - "Emanating from the site"- all potential sources (not limited to designated tanks). Loading and unloading storage tanks is a pollution incident – 72 hour reporting provision.

Timing of Incident: Liability – all except known incidents at original inception. Clean up after attachment date.

Contractual Liability - All contractual assumptions if otherwise liable and blanket protection for supply and marketing agreements.

Extended Reporting - 12 months purchasable. Cancellation of the policy is not a prerequisite.

Extended Reporting of Claims - Automatic 48 months - no charge. Clean-up automatic 6 months - no charge.

Application of Deductible - First dollar defense cost, Deductible applies only to actual loss.

TOMIC has recently received an A financial rating from Demotech. The company has maintained strong, consistent reinsurance since its inception.