This property has a documented history as a bulk fuel distribution terminal predating 1986. Historical insurance policies issued during those prior operations and through 1986 could help fund the multi-phase investigation and remediation work ahead under Wisconsin DNR oversight.
This property operated as a bulk fuel plant and agricultural chemical storage and distribution facility, with aboveground storage tanks holding fuel oil, a rail spur for product delivery, and leaded gasoline among the substances released on site — infrastructure consistent with decades of mid-century agricultural cooperative operations. A Phase II Environmental Site Assessment confirmed significant groundwater contamination, with push probe sampling detecting gasoline-range organics (GRO) at 30,900 µg/L and diesel-range organics (DRO) at 7,800 µg/L. The site is an active Wisconsin DNR Environmental Remediation Program case with investigation and remediation work ongoing. 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.
Why Historical Insurance Policies May Be Accessible
Pre-1986 Commercial General Liability (CGL) policies were occurrence-based and did not contain an effective pollution exclusion in Wisconsin — 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.
Bulk fuel storage and distribution operations at this property — including the handling of fuel oil and leaded gasoline in aboveground storage tanks — were conducted during the decades preceding 1986. The groundwater investigation, site characterization, and remediation work ahead under Wisconsin DNR oversight represent future costs that the carriers insuring those pre-1986 operations may be obligated to fund.
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.
What We Look For
- Historical insurance policies (pre-1986)
- Policy numbers, carrier names, and coverage periods
- Connection between contamination timing and policy period
- Evidence linking cleanup obligation to insured activity
What We Deliver
- Historical Coverage Chart
- Trigger Analysis & Property/Policy Nexus
- Coverage strategy with recommendations
- Insurance funding for your remediation
- Claims Management
The Restorical Proven Process
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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.