Business Insurance for Gas Stations

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Save money by comparing insurance quotes for gas stations

From robberies to damaged pumps and fires, gas station owners face unique risks. Safeguard your establishment with affordable business insurance tailored for gas stations.

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Choose the best rate and coverage

Insureon helps gas station owners compare insurance quotes from top U.S. carriers online. Fill out one application to receive multiple quotes.

What types of business insurance do gas stations need?

These policies provide coverage for 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 with property insurance for savings in a business owner’s policy.

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

Business owner’s policy

This policy bundles property insurance and general liability insurance in one plan. A BOP is often one of the most cost-effective types of commercial insurance for gas stations.

  • Customer injuries
  • Damaged business property
  • Business interruption incidents
Commercial auto insurance icon

Commercial auto insurance

This policy covers injuries and property damage caused by a gas station’s company vehicles, as well as vehicle damage, vandalism, and theft.

  • Physical damage and collision coverage
  • Injuries caused to another person
  • 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
  • Partial missed wages
  • Lawsuits over employee injuries
Cyber liability insurance icon

Cyber liability 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.

Why do gas stations need insurance?

From leaky fuel tanks to burglaries, running a gas station can be a risky endeavor. Gas station insurance provides peace of mind by covering medical bills from injuries, repair and replacement costs for damaged or stolen business property, and legal fees if a customer sues.

How much does insurance cost for auto services and dealers?

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Several factors will have an impact on insurance costs, including:

  • Auto services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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