This former gas station in Baker County operated under the Richfield brand — a name that predates 1966, when Richfield Oil Company was absorbed into ARCO — indicating the facility and its underground storage tanks were in use well before 1986. A release was discovered in November 1990 during tank decommissioning, and subsequent investigation confirmed contamination had reached drinking water supplies. The site remains under active Oregon DEQ oversight with an identified responsible party under agreement or order, and no No Further Action determination has been issued. That history could support an insurance coverage claim against the carriers who issued policies more than 40 years ago — coverage that could help fund the cleanup ahead.
Pre-1986 Commercial General Liability (CGL) policies were occurrence-based and did not contain an effective pollution exclusion in Oregon — and those policies may provide coverage that remains enforceable today. If contamination occurred while those policies were active, those historical insurance carriers may still have a legal obligation to fund the cleanup costs, even if the business closed or the property changed hands.
Underground storage tank operations at this former gas station were in place for decades before 1986 — the facility operated under the Richfield brand, a name that predates 1966 when Richfield Oil Company was absorbed into ARCO, confirming that the tanks and their associated contamination risks date to that earlier era. With the site still under active Oregon DEQ oversight, drinking water confirmed as an impacted medium, and no No Further Action determination issued, the investigation, remediation, and monitoring work ahead represents substantial costs that historical pre-1986 carriers may be obligated to fund going forward.
Restorical's role is to locate viable historical policies, determine whether a successful coverage claim is possible, and assist our clients and their legal counsel to obtain insurance coverage. Restorical then manages the claim, including accounting, to ensure the cleanup is funded in a timely manner.
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Contact UsThis analysis is preliminary and based on publicly available records. Restorical Research is not a law firm and does not provide legal advice.