Wrongful Termination Claims
A former cashier, fuel attendant, or repair bay mechanic files a lawsuit alleging they were unjustly fired without cause.
Coverage
Employment Practices Liability (EPLI) Insurance for Gas Stations
Protect your station against employee lawsuits, wrongful termination claims, and workplace discrimination disputes.
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Employment practices liability insurance for gas stations covers legal claims arising from workplace disputes, including wrongful termination, discrimination, and harassment. This policy is in addition to workers' compensation for workplace injuries and general liability for customer slip-and-falls. Gas stations frequently have more than one employee working on the rotating or overnight shift, which means you have more points of contact that can create legal liability.
What's covered
What EPLI Covers
EPLI insurance for a gas station protects your enterprise from many different employment-related claims:
Know the gaps
What It Doesn't Cover
EPLI insurance for a gas station maintains clear operational boundaries and does not cover:
Do you need it
Who Needs EPLI Insurance
The fact that any gas station has at least one employee makes it an employment liability exposure. Managing cashiers, forecourt attendants, and repair technicians across extended or 24-hour shifts creates multiple operational friction points. This risk is often ignored by many station owners, as few competitors will describe this risk. However, standard general liability insurance and Business Owner's Policies (BOP) explicitly exclude employee lawsuits. Securing employment practices liability insurance for gas stations closes this critical gap.
Pricing
What EPLI Insurance Costs
EPLI insurance for a gas station typically costs between $750 and more than $14,000 per year ($62 to $1,166 per month) for small-to-midsize operations, according to commercial benchmarks. Primary rating factors include employee headcount, shift complexity, past turnover rates, and whether your station maintains written employee handbooks and HR policies.
Review full underwriting details on our Gas Station Insurance Cost breakdown page.
What a claim looks like
Example Claim
An overnight shift attendant terminated for repeated tardiness files a lawsuit claiming wrongful termination; insurance gas station protection was needed because the firing was actually retaliatory. Although court records prove the termination was fully justified, your station incurs $18,500 in legal defense and attorney fees to resolve the case. EPLI insurance for a gas station pays those legal defense costs directly, protecting your operating capital.
How it fits
How It Fits With Your Other Coverage
This policy addresses a specific category of risk that standard property and liability plans ignore. While workers' compensation covers physical employee injuries and general liability insurance handles customer accidents, EPLI protects against non-physical workplace disputes.
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
Do I need EPLI if I only have a couple of employees?
Yes. Employment liability exposure exists regardless of your team's size. A single wrongful termination insurance gas station claim from one disgruntled employee can cost tens of thousands of dollars in legal defense fees alone.
Does running 24-hour shifts increase my employment liability risk?
Yes. Managing rotating hours, late-night coverage, and overnight overtime can create more scheduling friction than single daytime shifts, making comprehensive EPLI protection vital for extended-hour stations.
Get Covered
Safeguard your gas station against expensive employee lawsuits, harassment claims, and wrongful termination disputes. Secure tailored employment practices liability insurance for gas stations today. Get your fast, free quote now from Insure C-Store.