The STL product protects businesses from third-party claims linked to environmental hazards associated with aboveground and underground storage tanks. It provides coverage for businesses such as auto garages, gas stations, campgrounds, golf courses, and other commercial properties where storage tanks are in use. Coverage includes bodily injury, property damage, on-site and off-site cleanup costs, civil fines and penalties, and crisis management expenses, with minimum premiums starting at $500 for a $1 million limit.