Insurance for Gas Stations with Oil Change Services
By Sophia Ramirez
March 27, 2025
Gas stations with oil change services operate as essential community hubs, offering fuel, convenience, and exceptional automotive care. The owners should look up to specialized insurance coverage designed to protect property, customers' vehicles, and equipment while helping to eliminate risks and cover the costs of bodily injuries and property damages.
Gas stations with oil change services require a comprehensive insurance approach to safeguard their business operations and customer assets. A reliable business insurance plan typically includes general liability, commercial auto, and workers' compensation insurance, ensuring station owners receive support to maintain business operations and recover from disruptions due to unforeseen situations.
Key Coverage Types for Gas Stations with Oil Change Services
General Liability Insurance: Safeguards stations with oil change services by covering bodily injuries, customer injuries, and legal fees.
Professional Liability Insurance (for oil change services): Covers claims related to errors, omissions, or negligence, ensuring that coverage defends against lawsuits.
Property Insurance (for equipment and facilities): Protects equipment, facilities, and assets at gas stations by covering damages from accidents or vandalism.
Workers’ Compensation Insurance: Covers employee injuries at gas stations, ensuring workers receive medical benefits and wage replacements.
Equipment Breakdown Insurance: Safeguards gas stations by covering repair and replacement costs for oil change machinery and equipment.
Business Interruption Insurance: Compensates for lost income during unforeseen shutdowns at gas stations with oil change services.
Pollution Liability Insurance (for oil spills): Covers cleanup costs and environmental damages from oil spills, protecting business owners from losses.
Commercial Auto Insurance (for service vehicles): Covers service vehicles, paying for damages, claims, and repair costs, enabling owners to manage risks.
Garage Liability Insurance (for repair and maintenance activities): Protects by covering claims from repair and maintenance operations, property damage, and customer injuries.
Product Liability Insurance (for oil and other materials): Covers claims from defective oil and materials, ensuring business owners are fully protected from lawsuits.
Fire Insurance (for fire-related risks in service areas): Covers fire-related risks at gas stations, compensating for damages to facilities, equipment, and inventory.
Theft and Vandalism Coverage: Protects gas stations by reimbursing losses from stolen equipment, damaged facilities, etc.
Environmental Liability Insurance (for hazardous materials handling): Covers hazardous items handling risks at gas stations with oil change services, protecting business owners.
Crime Insurance (for theft or employee dishonesty): Provides coverage for losses from criminal activities such as theft or fraud by employees or third parties.
Vehicle Damage Liability Insurance (for any damage during services): Covers damages to customer vehicles that occur while service technicians perform other maintenance tasks.
Get a Free Convenience Store Insurance Quote
Running a gas station means managing risks. Are you covered with the right gas station insurance? At Insure C-Store, we simplify to get a quote. Enter your full name and number, and select your business type before pressing ‘Submit.’ Next, you’ll be guided to a form where you’ll provide details about your business, preferred coverage, fuel station insurance (if applicable), and contact information. After submission, our agents will contact you.
Have questions? Call us or visit our office for hands-on 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.