Can My Gas Station Insurance Policy Cover All Employees?
By Sophia Ramirez
March 6, 2025
A gas station isn’t just about fuel—it’s a hub for convenience stores, car washes, and daily customer interactions. With unique risks like data breaches, employee theft, and bodily injuries, protecting your business goes beyond pumps and registers. A solid gas station insurance coverage for employees helps safeguard operations and reputation.
Employee coverage is an essential aspect of your business, ensuring protection against workplace injuries, lost income, and legal fees. From workers’ compensation to liability protection, having the right types of insurance coverage keeps your team secure and your business compliant and minimizes disruptions if you ever need to close temporarily.
What Types of Coverage Can Be Provided for Employees?
Workers' Compensation Insurance: Covers medical bills, lost wages, and rehab in case employees suffer from workplace injuries.
General Liability Insurance: Protects your business from expensive lawsuits, bodily injuries, and property damage claims.
Health Insurance: Ensures employees access healthcare, reducing medical costs, lost income, and workplace absences.
Disability Insurance: Provides financial security if employees can't work due to illness, injury, or workplace accidents.
Employment Practices Liability Insurance (EPLI): Covers legal fees from claims surrounding discrimination, wrongful termination, or harassment.
Unemployment Insurance: Supports employees with lost income if they lose jobs due to layoffs, closures, or downsizing.
Commercial Auto Insurance (for employees using company vehicles): Covers liability, accidents, and bodily injuries for drivers using company-owned vehicles.
Life Insurance: Provides financial support for employees' families in case of fatal workplace accidents or illnesses.
Accident Insurance: Helps cover medical expenses, lost wages, and legal fees after workplace injuries or incidents.
Retirement and Pension Plans: Offers long-term financial security, helping employees plan for their retirement and stability.
Are All Employees Covered Under My Policy?
Gas station insurance coverage varies for full-time and part-time employees. Full-time staff typically receive broader coverage, including workers’ compensation and health benefits, while part-time employees may have limited protection. Policies should specify coverage for workplace injuries, liability risks, and more. Reviewing your policy ensures all employees are adequately protected. Station owners can consult their insurance provider to explore further coverage options they can add to their policy.
Exclusions and Limitations
Pre-Existing Conditions (Health Insurance): Coverage may not apply to medical issues diagnosed before policy enrollment, affecting claims.
Injuries Occurring Outside of Work Hours (Workers’ Compensation): Injuries sustained off-duty are not typically covered, requiring separate medical coverage.
Employee Misconduct (General Liability): Claims from negligence, fraud, or violations may be denied, exposing businesses to legal risks.
Intentional Harm (Workers’ Compensation): Deliberate self-inflicted injuries or workplace violence may not be eligible for compensation benefits.
Off-the-Job Injuries (Workers' Compensation): Injuries sustained outside work duties generally do not qualify for workplace insurance coverage.
Volunteers or Unpaid Workers (Certain Policies): Some policies exclude coverage for non-salaried individuals requiring additional insurance.
Non-Compensable Injuries (Certain State Laws): Certain work-related injuries may not qualify for compensation due to legal exemptions from the state.
Employees Engaged in High-Risk Activities (Workers' Compensation): Hazardous jobs can require specialized insurance beyond standard workers' compensation insurance.
Coverage for Independent Contractors (May Require Separate Coverage): Independent contractors typically need separate insurance, as standard policies may not cover everything.
Certain Types of Work-Related Diseases (Workers' Compensation): Some occupational illnesses require special policies and coverage for complete overall protection.
Claims Resulting from Employee’s Illegal Actions (Liability Policies): Insurance may deny claims related to fraud, theft, or unlawful actions that are outside policy coverage.
Excessive Overtime or Unsafe Working Conditions (Workers' Compensation Claims): Claims may be denied due to violations of labor laws, unsafe practices, or ignored safety protocols.
How to Ensure All Employees Are Properly Covered?
Review Your Current Insurance Policy: Regularly assess your policy to ensure coverage meets your business needs and future growth.
Assess Employee Classification (Full-time vs Part-time): Distinguish between full-time and part-time workers for accurate coverage and claims handling.
Consult with an Insurance Agent: Seek guidance from an agent to customize your policy to your gas station’s needs and risks.
Verify Workers' Compensation Coverage: Confirm that workers' compensation covers all employee types and any potential risks and threats.
Check Health and Disability Insurance Options: Ensure your health and disability coverage is included for employee well-being and protection.
Ensure Compliance with State Laws and Regulations: Stay compliant with state regulatory laws to avoid legal issues and gaps in coverage and claims.
Evaluate Employment Practices Liability Insurance (EPLI): Protect your gas station from claims that are related to employee rights and workplace violations.
Check Coverage for Employee Use of Company Vehicles: Ensure your policy covers employees using company-owned vehicles during work hours or duties.
Assess Exclusions and Limitations in the Policy: Carefully review exclusions and limitations in order to avoid surprises in the event of a claim.
Regularly Update Your Policy for New Hires or Role Changes: Adjust your coverage when hiring new employees or altering current roles and responsibilities.
Conduct Regular Employee Risk Assessments: Evaluate employee safety risks regularly to reduce insurance costs and prevent expensive claims.
Ensure Adequate Coverage for Temporary or Seasonal Workers: Account for seasonal staff in order to prevent coverage gaps during peak times or busy seasons.
Get a Free Gas Station Insurance Quote
Getting a reliable and secure insurance plan for your gas station is made quick and easy with Insure C-Store! Get your first quote by simply entering your full name and phone number and selecting your preferred business property before pressing submit. You will be led to a simple form asking for some business information, insurance coverage details, fuel station coverage, and contact information.
If you have any questions or require further assistance, call our agent or visit our office.
Sophia Ramirez
Insurance Research Analyst & Writer
Sophia Ramirez is an experienced insurance writer specializing in business coverage. With a deep understanding of industry risks, she provides clear, insightful content to help business owners safeguard their investments.