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
EssentialCovers 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) liabilityAbove Ground Storage Tank Coverage
EssentialProtects above-ground tanks and covers liability for leaks and spills from these systems.
Learn more about above ground storage tank coverageProperty Coverage
EssentialCovers buildings, pumps, canopies, signs, equipment, and inventory against fire, storm, theft, and vandalism.
Learn more about property coverageGeneral Liability
EssentialCovers customer injuries, slip-and-falls, product liability from fuel and merchandise, and property damage claims.
Learn more about general liabilityBusiness Income
EssentialReplaces 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 incomeWorkers Compensation
EssentialRequired coverage for employees. Fuel retail workers face unique risks including chemical exposure and robbery.
Learn more about workers compensationCrime Coverage
Covers losses from robbery, employee theft, credit card fraud, and other criminal acts. Essential for cash-intensive businesses.
Learn more about crime coverageEquipment Breakdown
Covers sudden mechanical or electrical failure of pumps, compressors, refrigeration, and point-of-sale systems.
Learn more about equipment breakdownGarage 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 liabilityWhat We'll Need to Know
To provide accurate quotes for fuel retailers, carriers typically ask about:
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.
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Ryan Parrack Insurance
Serving Elkins, Buckhannon & Northern/Central WV
Elkins, WV