Gas Stations insurance · Nationwide
Coverage built for what's under the ground, not just above it
A slow leak from an aging underground tank can trigger a cleanup order costing far more than the station itself. We connect you with specialists in pollution liability and fuel-retail coverage.
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Coverage gas stations carry
A gas station is a retail shop sitting on top of a fuel storage facility. The shop side behaves like any convenience store; the tanks underneath it are an environmental liability with its own regulator, its own testing regime, and cleanup costs that dwarf the business.
Pollution Liability
Cleanup, third-party damage, and legal costs when fuel escapes from a tank, line, or dispenser.
This is the coverage the site exists around. Standard property and liability policies exclude pollution outright, and a release reaches groundwater and neighboring land.
General Liability
Customer injuries on the forecourt and in the shop: slips on fuel, trips on curbs, and injuries at the pumps.
A forecourt is a wet, trafficked surface that customers cross on foot with vehicles moving around them. Slip claims here are frequent and rarely disputed.
Commercial Property
Your shop building, canopy, dispensers, coolers, and stock against fire, storms, and vehicle impact.
Canopies and dispensers are most often underinsured, and a vehicle striking a pump is a routine loss. Include business income. A closed forecourt earns nothing.
Workers' Compensation
Medical bills and lost wages for clerks injured in robberies, slips, and fuel or chemical exposure.
Late-night single staffing is what carriers ask about first. Violence against lone clerks drives this rate more than any physical hazard on the site.
Commercial Umbrella
Extra limits above general liability and the underlying policies.
A fire or a fuel release on a forecourt reaches neighboring property fast, and the severity is far beyond what an underlying $1M limit was priced for.
FAQFrequently Asked Questions
No: standard commercial property policies almost universally exclude pollution and contamination losses. Pollution liability is a separate, purpose-built policy for exactly this exposure.
EPA regulations require UST operators to demonstrate financial responsibility for tank-related cleanup and third-party claims. Pollution liability insurance is the most common way independent station owners meet that requirement.
We'll structure a combined program: pollution liability for the fuel side, general liability and property for the retail side: sized to how your business actually operates.
Workers' compensation covers employee injuries from an on-the-job robbery or assault, and general liability can respond to related third-party claims. Both are worth confirming are properly limited for a 24-hour or high-cash operation.