Gas Station Insurance

Protect your business if a customer slips on spilled fuel near a pump island or trips inside your retail store. It covers medical costs for customers, legal costs, and court settlements.

Combines essential general liability and commercial property coverage in one competitive package. It is the key insurance backbone of small to mid-sized fuel retailers.

Reimburses financial losses if physical property is damaged. For instance, if a large delivery truck runs into your overhead fuel canopy, it will cause serious damage.

If your station has to temporarily close due to a severe storm, fire, or covered property event, it replaces lost daily revenue and covers ongoing payroll commitments.

Insures employees' medical care, rehabilitation, and disability benefits due to work-related injuries. Most states legally require this coverage as soon as you hire your first employee.

Covers fuel spills, pipe leaks, or vapor contamination in the environment. This includes soil remediation, groundwater cleanup, government fines and third-party property suits.

Pairs directly with environmental pollution coverage to satisfy federal EPA and state financial responsibilities. It applies to fuel storage tanks, fuel piping and fuel sumps that are buried.

Covers lost Administrative fines, response costs for emergencies and required testing fees for sudden leak detection alarms or compliance issues on buried pressurized lines.

Compulsory civil insurance for fuel stations where beer, wine or spirits are sold. It can prevent a lawsuit for injury if someone gets intoxicated at your store and has an accident.

Preserves the income received from daily stores after catastrophic financial losses. This includes armed night-time robberies, register skimming, fake cash, and theft by personnel.

Protects your company in case of contaminated fuel that causes harm to a customer's engine or a bad product sold on-site that causes harm to the person.

If the point-of-sale systems or pay-at-the-pump credit card skimmers are compromised in a malicious data breach or ransomware attack, it will be a major financial loss to your station.

Provides liability and physical damage protection for station-owned vehicles used for fuel service, road support, store supply runs, or administrative business trips.

Increased protection to stations with attached auto repair bays. It protects your customers' cars in your repair bays as well as shields your mechanics' liability during repair work.

Covers the cost of liability if an employee gets in an accident while driving his or her own vehicle to run errands for the business or to pick up cash checks.

Enhances liability coverage beyond policy limits to offer greater financial protection against serious multi-million dollar cases.

Covers repair and replacement expenses when electronic point-of-sale systems, fuel pump monitors, air compressors, or walk-in coolers suffer sudden mechanical or electrical failure.

Protects your business against costly employee lawsuits alleging wrongful termination, sexual harassment, wage disputes, or workplace discrimination.