Gas Station Insurance for Auto Repair and Maintenance Shops
By Sophia Ramirez
March 26, 2025
A gas station isn’t just a fuel stop—it’s a lifeline for drivers. Add an auto repair or maintenance shop, and you’re running a full-service hub. But with fuel pumps, repair bays, and a steady flow of customers, gas stations need insurance to protect against property damage, liability, and unexpected risks.
Running a gas station with auto repair means juggling tools, employees, and high-value vehicles daily. From workers’ compensation claims to employee theft or data breaches, the risks are real. The right insurance coverages, including commercial property insurance and business interruption insurance, keep businesses running smoothly, giving you peace of mind.
Key Coverage Types for Gas Stations with Auto Repair Shops
General Liability Insurance: Covers customer injuries, property damage, and legal costs, keeping your gas station safe.
Professional Liability Insurance (for auto repair services): Protects against auto repair mistakes, service disputes, or negligence claims for smoother operations.
Property Insurance (for repair shop equipment and facilities): Covers property damage to tools, lifts, repair bays, and business assets to maintain stability.
Workers' Compensation Insurance: Pays medical expenses and lost wages if an employee is injured while repairing vehicles or handling equipment.
Equipment Breakdown Insurance: Covers repair or replacement costs for broken lifts, compressors, diagnostic tools, and specialized machinery.
Business Interruption Insurance: Reimburses lost income if your gas station or repair shop closes unexpectedly due to covered risks.
Pollution Liability Insurance (for hazardous waste and chemicals): Covers cleanup costs from oil spills, toxic leaks, and fuel contamination, avoiding regulatory fines.
Commercial Auto Insurance (for service vehicles): Protects repair shop’s tow trucks, company cars, and service vehicles from accidents or damages.
Theft and Vandalism Coverage: Covers loss from employee theft, break-ins, vandalism, intentional property damage, or fraudulent activities.
Product Liability Insurance (for repair parts and materials): Protects against claims due to defective repair parts, faulty installations, or equipment failures.
Garage Liability Insurance (for auto repair and maintenance activities): Covers accidents, injuries, or damages occurring in your repair shop to further protect assets.
Fire Insurance (for fire-related damage to equipment and premises): Covers gas station or repair shop fire damage, including tools, inventory, and infrastructure.
Vehicle Damage Liability Insurance: Covers customer vehicles damaged while in your shop’s care, custody, or control during repairs.
Crime Insurance (for theft or employee dishonesty): Protects against employee theft, fraud, scams, financial losses, or other dishonest activities.
Environmental Liability Insurance (for oil or chemical spills): Covers gas station or repair shop hazardous waste cleanup costs, pollution claims, and legal fees.
Get a Free Gas Station Insurance Quote
Struggling to find the ideal insurance plan for your gas station? Insure C-Store is just the place for you! 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.