Specialty Coverage

Gas Station & Convenience Store Insurance

Protection for fuel retailers and their unique exposures.

Gas stations and convenience stores face risks that most businesses don't—underground tank leaks, environmental liability, robbery, and high customer traffic. Standard business policies don't adequately cover these exposures. We work with carriers who specialize in fuel retail and understand the complexities of your business.

Get a Gas Station Insurance Quote

We'll review your operations and provide tailored coverage options

Fuel Retail Operations We Insure

Gas Stations

Fuel retail with or without repair services

Convenience Stores

C-stores with fuel and retail operations

Truck Stops

Commercial fuel and trucker services

Full-Service Stations

Fuel with mechanical repair services

Card-Lock Facilities

Unmanned commercial fueling stations

Marina Fuel Operations

Waterfront fuel sales to boats

Coverage Options for Fuel Retailers

Underground Storage Tank (UST) Liability

Essential

Covers cleanup costs and third-party liability from underground tank leaks. Environmental cleanup can cost hundreds of thousands—this coverage is essential.

Learn more about underground storage tank (ust) liability

Above Ground Storage Tank Coverage

Essential

Protects above-ground tanks and covers liability for leaks and spills from these systems.

Learn more about above ground storage tank coverage

Property Coverage

Essential

Covers buildings, pumps, canopies, signs, equipment, and inventory against fire, storm, theft, and vandalism.

Learn more about property coverage

General Liability

Essential

Covers customer injuries, slip-and-falls, product liability from fuel and merchandise, and property damage claims.

Learn more about general liability

Business Income

Essential

Replaces lost income and covers ongoing expenses if a covered loss forces you to close temporarily. Critical for fuel retailers with thin margins.

Learn more about business income

Workers Compensation

Essential

Required coverage for employees. Fuel retail workers face unique risks including chemical exposure and robbery.

Learn more about workers compensation

Crime Coverage

Covers losses from robbery, employee theft, credit card fraud, and other criminal acts. Essential for cash-intensive businesses.

Learn more about crime coverage

Equipment Breakdown

Covers sudden mechanical or electrical failure of pumps, compressors, refrigeration, and point-of-sale systems.

Learn more about equipment breakdown

Garage Keepers Legal Liability

If you provide repair services, covers damage to customer vehicles in your care, custody, and control.

Learn more about garage keepers legal liability

What We'll Need to Know

To provide accurate quotes for fuel retailers, carriers typically ask about:

Number and type of underground/above ground storage tanks
Tank ages, materials, and leak detection systems
Annual fuel gallonage by product type
Convenience store sales and product mix
Food service operations (hot food, fountain drinks)
Repair services offered and bay count
Number of employees and annual payroll
Prior claims and any known contamination
Security measures (cameras, lighting, cash handling)
Compliance with EPA and state tank regulations

Real-World Claims Examples

Understanding how fuel retail coverage works when you need it:

Underground Tank Leak

Routine tank testing reveals a slow leak has contaminated soil beneath the station. UST liability covers soil remediation, monitoring wells, and any third-party property damage.

Customer Slip-and-Fall

A customer slips on spilled fuel at the pump island and breaks their wrist. General liability covers medical expenses and the resulting lawsuit.

Pump Island Fire

A vehicle fire at the pumps damages multiple dispensers and the canopy. Property coverage pays for repairs while business income covers lost revenue during reconstruction.

Armed Robbery

Armed robbers steal cash from the register and safe during an overnight shift. Crime coverage reimburses the stolen money.

Fuel Contamination Claim

A customer claims contaminated fuel damaged their vehicle engine. Product liability coverage within general liability defends against the claim.

Let's Protect Your Fuel Business

Fuel retail insurance requires specialized expertise. Let's discuss your operations and find coverage that protects your tanks, property, and business income.

Call 304-675-4132