Employee Fuel Misappropriation
Reimburses financial losses if an employee repeatedly dispenses fuel into personal vehicles without paying or alters pump logs to hide uncollected sales.
Coverage
Crime and Employee Dishonesty Insurance for Gas Stations
Protect your daily cash, retail inventory, and bulk fuel against armed robbery, burglary, and internal employee theft.
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Crime insurance for gas stations covers financial losses caused by internal and external theft. Gas stations face unique risks beyond standard register cash and retail inventory. Fuel itself is a major target for internal misuse and theft. This policy, often called a fidelity bond for internal coverage, reimburses stolen funds, missing inventory, and misappropriated fuel resulting from employee dishonesty, burglary, or armed robbery.
What's covered
What Crime Insurance Covers
Commercial crime policies protect your cash, retail goods, and fuel assets against internal and external dishonest acts:
Know the gaps
What It Doesn't Cover
Crime insurance covers direct acts of theft, but policies maintain strict boundary lines and exclusions:
Do you need it
Who Needs Crime Insurance
Every gas station owner handling cash, selling high-value goods, or dispensing fuel needs employee dishonesty insurance for gas stations. Multi-shift stations operating 24/7 or relying on unmonitored overnight staff carry high exposure to register manipulation and internal fuel misuse.
Whether running a standalone fuel kiosk or a high-volume travel center, securing crime coverage protects your working capital from sudden internal or external theft. Review risk factors across station types on our main Gas Station Insurance Requirements by State hub.
Pricing
What Crime Insurance Costs
Gas station robbery and crime insurance generally ranges from $250 to $1,000 annually ($20 to $85 per month). Primary drivers of gas station robbery insurance premiums include maximum daily cash held on site, daily fuel volume, staff count, shift hours, and security controls. Installing drop safes, pre-pay fuel requirements, security cameras, and security alarms significantly lowers baseline coverage costs.
Review complete underwriting criteria on our Gas Station Insurance Cost breakdown page.
What a claim looks like
Example Claim
A quarterly fuel inventory audit reveals a $12,500 discrepancy between underground tank sensor logs and register receipts. Security footage confirms an overnight employee bypassed pump authorization controls to fuel personal vehicles and unrecorded fuel cans over five months. Employee dishonesty insurance reimburses the $12,500 fuel loss after audit documentation is submitted.
How it fits
How It Fits With Your Other Coverage
Crime insurance operates alongside physical asset and property policies to secure your full business infrastructure. While crime insurance pays for stolen cash and fuel, commercial property insurance fixes broken locks, smashed glass, or damaged safes resulting from a robbery. If you also operate a convenience store, see our specialized guide on crime and employee dishonesty insurance for convenience stores.
The power of choice
We shop 30+ A-rated carriers so you don't have to.
- Travelers
- The Hartford
- Chubb
- Liberty Mutual
- Nationwide
- Zurich
- CNA
- Progressive
- Philadelphia Insurance
- Berkshire Hathaway GUARD
- biBerk
- AmTrust
- Employers
- Grange Insurance
- Columbia Insurance
- Encova
- Admiral Insurance Group
- Attune
- Coterie
- ERGO NEXT
- AmWINS
- CRC Group
- RT Specialty
- Burns & Wilcox
- Jencap
- Bass Underwriters
- Jimcor Agencies
- CharityFirst
Common questions
Frequently Asked Questions
Does crime insurance cover customer drive-offs without paying for fuel?
No. Insurers generally consider customer fuel drive-offs to be normal operational shrinkage rather than an insurable crime loss. Standard crime insurance focuses on employee theft, armed robbery, and burglary. You must check with your agent to confirm if specific drive-off endorsements are available.
Does this cover an employee who fuels their own car without paying?
Yes. Employee dishonesty insurance for gas stations specifically covers internal employee theft, including unauthorized fuel dispensing, altered register logs, or cash skimming committed by staff.
Get Covered
Shield your gas station against internal employee theft, customer robberies, and lost fuel revenue. Contact our Insure C-Store agents today to secure comprehensive crime insurance for your store.