General Liability Insurance for Gas Stations
By Sophia Ramirez
February 13, 2025
Gas stations are high-traffic businesses that provide fuel, convenience store products, car washes, and other services. With numerous daily transactions and interactions, gas station owners face various risks, including accidents, employee dishonesty, and property damage. Securing general liability insurance for the business is crucial to protecting it from financial losses.
General liability insurance helps business owners cover the cost of claims related to injuries, property damage, and legal fees. Without proper insurance coverage, businesses could face lawsuits threatening their operations and disrupting the flow of income. Insure C-Store provides insurance to help owners protect the finances of their gas stations.
What Does General Liability Insurance Cover?
Bodily Injury: This covers medical expenses and legal costs if a customer or third party is injured on station premises.
Property Damage: Provides compensation for damages caused to someone else’s property due to business operations.
Slip-and-Fall Accidents: Covers the finances of legal claims from customers who slip, trip, or fall at your gas station.
Customer Injuries on Premises: Protects against claims arising from injuries suffered by customers while at the gas station.
Third-Party Property Damage: Covers damage to another person’s property, such as a vehicle or adjacent building to your gas station.
Advertising Injury: Protects against lawsuits against stations related to misleading advertisements or false marketing claims.
Defamation: Covers costly legal expenses in case of libel or slander claims against your gas station business.
Legal Fees and Defense Costs: Helps cover attorney fees, court costs, and settlements related to liability claims for your station.
Product Liability: Protects against expenses of the claims arising from defective products sold at the gas station.
Liquor Liability (if applicable): Covers claims related to alcohol sales, such as injuries by intoxicated customers after getting it from you.
Why Do Gas Stations Need General Liability Insurance?
Protection Against Customer Injuries: Required if a customer slips on an oil spill at the gas station and sues for medical expenses.
Coverage for Property Damage: Needed if a fuel pump malfunctions and damages a customer’s vehicle, leading to a compensation claim.
Liability for Slip-and-Fall Accidents: Essential if a customer trips over a loose mat inside the convenience store and suffers an injury.
Protection from Lawsuits: Helps if a customer claims they got sick after consuming expired food purchased from the gas station.
Coverage for Third-Party Claims: Required if a contractor working on-site gets injured and files a claim against the business.
Defends Against Advertising Injuries: Needed when a competitor accuses the gas station of false advertising and sues for damages.
Minimizes Financial Risk: Aids cover legal and medical costs if an employee spills gasoline on a client’s vehicle, causing fire damage.
Compliance with Lease Agreements: Required because many landlords mandate liability insurance before leasing gas station property.
Protection Against Legal Fees: Helps cover defense costs if the business is sued for an injury, even if the claim is later dismissed.
Safeguards Business Operations: Essential to ensure financial stability if an accident, injury, or lawsuit disrupts daily business operations.
How General Liability Insurance Works for Gas Stations
When a gas station insurance policy is in place, it provides financial coverage for claims. If a customer slips and falls on a wet surface, the insurance handles the medical expenses and any legal costs. Similarly, general liability insurance covers the repair costs if an employee damages a customer’s car.
Gas stations also deal with data breaches, equipment breakdown, and environmental concerns like fuel leaks. Comprehensive policies, including pollution liability, cyber liability, commercial property, and workers' compensation insurance, help protect your business. Customized business insurance plans help owners meet their station's coverage needs and requirements and ensure their operations' continuity.
Get a Free Gas Station Insurance Quote
Are you confident that your business is fully protected? At Insure C-Store, a reliable insurance company, we make it simple to find the right insurance or liability coverage quote. Enter your name and number, and select your business property type before clicking ‘Submit.’ You’ll then be guided to a short form where you’ll provide business details, your coverage preferences, protection options, and contact. Once sent, our agents will contact you.
Need help? Call us or visit our office for assistance!
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.