Compare insurance quotes for gas stations
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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.
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
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.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel or slander lawsuits
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.
BEST FOR
- Customer injuries
- Damaged business property
- Business interruption incidents
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.
BEST FOR
- Physical damage and collision coverage
- Injuries caused to another person
- Vandalism and theft
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.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over employee injuries
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.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Data breach investigations
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.
BEST FOR
- 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?
Several factors will have an impact on insurance costs, including:
- Auto services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
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