Gas Station Insurance

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Why do gas stations need insurance?

From robberies to fuel tank fires, running a gas station can be a risky endeavor. Business insurance provides peace of mind by covering medical bills from injuries, property repairs, and legal fees if a customer sues. Some policies, such as workers' compensation, may be required by law.

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Find affordable coverage

Gas station owners can save money on insurance by comparing quotes from top-rated providers.

Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.

What types of business insurance do gas stations need?

These insurance policies cover the most common risks of gas stations.

General liability insurance icon

General liability insurance

General liability insurance covers basic gas station risks, such as a customer injury at the pump. Bundle it with property coverage for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel and slander lawsuits
Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for gas station owners to buy general liability coverage and commercial property insurance together.

  • Customer bodily injuries
  • Stolen or damaged business property
  • Business interruption insurance
Commercial auto insurance icon

Commercial auto insurance

This policy covers injuries and property damage caused by a gas station's vehicle. Each state has its own requirements for auto liability coverage.

  • Injuries caused to another person
  • Physical damage and collision coverage
  • Vandalism and theft
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp is required in almost every state for gas stations that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Lawsuits from employee injuries
Cyber insurance icon

Cyber insurance

This policy helps gas stations recover financially from data breaches and cyberattacks. It's recommended for any business that stores credit cards or other personal information.

  • Customer notification expenses
  • Fraud monitoring services
  • Data breach investigations
Umbrella / excess liability insurance icon

Commercial umbrella insurance

This policy boosts the limits of general liability insurance, commercial auto insurance, and employer's liability insurance to protect against the most expensive kinds of lawsuits.

  • Multi-vehicle auto accidents
  • Customer injury lawsuits
  • Employee injury lawsuits
Looking for different coverage? See more policies.

How much does insurance cost for auto services and dealers?

Auto services employee calculating insurance costs.

A gas station owner who works independently can expect to pay less for insurance than a larger business.

Factors that affect premiums include:

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How do I get gas station insurance?

It's easy to get business insurance for your gas station, convenience store, or car wash if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your gas station, whether you work independently or hire employees.

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