Government regulations, environmental changes and an increasingly difficult business climate make it impossible to keep doing business as usual. Recognizing the need for change, the Water Quality Insurance Syndicate (WQIS) has created its 2007 Policy Form. The overall policy has been simplified by including and clarifying several endorsements while the coverage itself has been expanded, making it the most flexible and complete insurance coverage for today’s marine industry. The new Policy Form was spurred by a combination of the new OPA regulations announced last year, brokers’ desire for a clearer, more concise product and the need for assureds to be protected in an ever-changing environment.