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.
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
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
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
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
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
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
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
How much does insurance cost for auto services and dealers?
A gas station owner who works independently can expect to pay less for insurance than a larger business.
Factors that affect premiums include:
- Type of business, such as towing or a repair shop
- Business property and equipment
- Business income
- Additional coverages, such as employee dishonesty or equipment breakdown coverage
- Policy limits and deductibles
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:
- Complete a free online application
- Compare insurance quotes and choose policies
- 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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