Full-Service Fueling Injuries
Provides first aid, diagnostics, and recovery treatment for injuries sustained by an attendant fueling a customer's vehicle and/or chemical burns due to fuel contact.
Coverage
Workers' Compensation Insurance for Gas Stations
Protect your forecourt attendants, store staff, and mechanics with workplace injury and lost-wage coverage.
Powered byMcKinney & Co.Trusted insurance for 40+ years
28 statesWhere we write policies, and growing
30+A-rated carriers compared
20+ yearsProtecting c-stores and gas stations
500+Store owners covered
Workers' compensation insurance for gas stations pays medical expenses, medical rehabilitation, and a portion of lost wages when an employee is injured or becomes ill on the job. Is workers' comp required for gas stations? In almost every state, carrying coverage is legally mandatory as soon as you hire your first employee. However, specific state statutes, employee-count thresholds, and exemption rules vary significantly by jurisdiction.
What's covered
What Workers' Compensation Covers
Workers' compensation protects your business from injured employee lawsuits and provides important financial coverage for injured employees:
Know the gaps
What It Doesn't Cover
Workers' compensation policies cover employee workplace injuries exclusively. They do not cover:
Do you need it
Who Needs Workers' Compensation
If your station employs staff, you almost certainly need workers' compensation insurance. The procedures mandated by statute are entirely dependent upon station location. Most states mandate coverage start once you have your first part-time or full-time worker. Some states set the thresholds at three or four workers, and monopolistic states mandate buying coverage from only the state-managed fund.
Failing to maintain required coverage leads to severe state civil penalties, criminal misdemeanor charges, administrative stop-work orders, and direct legal liability for all employee medical costs. Check out our Gas Station Insurance Requirements by State page for each state's specific guidelines.
Pricing
What Workers' Compensation Costs
For gas stations and c-stores, workers' compensation insurance typically costs between $800 and $2,500 per year per employee (roughly $70 to $210 per month). The primary driver of workers' comp cost for gas stations is overall payroll volume, claims history, and employee job classification codes. Some operational positions, like full-service fuel attendants and repair bay mechanics, have higher classification rates than other positions, like inside retail cashiers or stock clerks, because of their exposure to physical hazards.
See full classification rate details on our Gas Station Insurance Cost page.
What a claim looks like
Example Claim
A full-service attendant steps in a diesel puddle, slips, and severely twists a knee while fueling an SUV. Workers' compensation insurance covers $18,500 for treatment for the emergency and physical therapy and $4,200 for the first six weeks of lost wages. This coverage ensures the injured employee receives prompt medical care and financial stability while preventing out-of-pocket liabilities for the business.
How it fits
How It Fits With Your Other Coverage
Workers' compensation protects your internal staff, operating separately from third-party coverage lines. Pair it with general liability insurance to handle third-party slip-and-fall claims, forecourt accidents, and customer bodily injury expenses. For stations with repair bays, combine workers' comp with garagekeepers insurance to protect against physical damage or theft involving customer vehicles in your care. Finally, add Employment Practices Liability (EPLI) Insurance to defend against employee-related lawsuits such as wrongful termination, harassment, or discrimination, which standard workers' compensation explicitly excludes.
The power of choice
We shop 30+ A-rated carriers so you don't have to.
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Common questions
Frequently Asked Questions
Do I need workers' comp if I only have part-time attendants?
In most states, yes. State statutory requirements typically base mandatory coverage on your total employee count rather than hours worked, treating part-time fuel attendants and cashiers the same as full-time staff. Check your specific state rules on our Gas Station Insurance Requirements by State hub.
Does workers' comp cover an employee injured while servicing a customer's car?
Yes. Workers' compensation covers your employee's personal medical expenses, rehabilitation, and lost wages resulting from a repair bay injury. However, any physical damage caused to the customer's vehicle during that service requires separate garagekeepers insurance.
Get Covered
Protect your fueling attendants, mechanics, and store employees against workplace injuries while satisfying state compliance requirements. Contact Insure C-Store today to get a competitive workers' compensation quote for your gas station.