Gas Station Insurance for Locations with Car Washes
By Sophia Ramirez
March 24, 2025
Running a gas station is all about keeping drivers fueled and on their way, but adding car wash services takes your operation to the next level. From fueling up vehicles to providing a spotless shine, your business manages multiple moving parts—so having the right protection ensures coverage against unexpected challenges.
A gas station with a car wash business isn’t just convenient—it’s a magnet for customers. But with more services come more risks, like property damage, equipment breakdowns, or an employee injured on the job. That’s why having gas station insurance with car washes ensures financial protection and peace of mind.
Key Coverage Types for Convenience Stores with Car Washes
General Liability Insurance: Covers third-party injuries, property damage, and legal fees, keeping your business secure.
Property Insurance (for car wash equipment and structures): Protects your car wash equipment and building from damages like fire, theft, or vandalism.
Business Interruption Insurance: Provides financial compensation for lost income during any unforeseen business interruptions.
Equipment Breakdown Insurance: Covers repair or replacement costs for essential equipment failures related to running a car wash.
Workers' Compensation Insurance: Pays for medical bills and lost wages in case an employee gets injured during job operations.
Environmental Liability Insurance: Covers costs related to environmental damage, including chemical spills, leaks, or contamination.
Theft and Vandalism Coverage: Protects your property and assets from theft, vandalism, or malicious incidents that can cause damage.
Pollution Liability Insurance: Covers claims related to environmental damage caused by pollutants, chemicals, or fuel spills.
Automobile Liability Insurance (for car wash-related incidents): Protects against any accidents or damages caused by vehicles during daily car wash services.
Product Liability Insurance (for chemicals and cleaning products): Covers claims arising from harm caused by chemicals or cleaning products used in your car wash.
Flood Insurance (if located in flood-prone areas): Provides coverage for damage to your business property, equipment, and inventory in case of flooding.
Commercial Auto Insurance (for vehicles involved in the car wash process): Covers accidents, damages, and liability for business-owned vehicles used in the car wash.
Water Damage Coverage: Protects against damages caused by unexpected water leaks, pipe bursts, or other water-related incidents.
Crime Insurance (for employee dishonesty or theft): Covers losses caused due to fraud, theft, or dishonest actions of employees working for you.
Vehicle Damage Liability Insurance (for damages during car wash): Covers damages caused to customer vehicles while they're being washed or serviced thoroughly.
Get a Free Convenience Store Insurance Quote
Get ready to protect your convenience store business with the perfect insurance policy with Insure C-Store! For a free quote, provide your name and number and select the type of business property you want. After that, click “Submit” to be directed to a form asking for your business information, insurance coverage details, gas station coverage (if applicable), and contact information.
If you have any questions or prefer a personalized touch, don’t hesitate to call us or visit our office anytime.
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.