Gas Station Insurance for Fuel Retailers and C-Stores

We write fuel retailers because operators in our licensed states ask us to — including Washington, Oregon, Texas, Indiana, and Pennsylvania locations that combine fuel with a c-store, a car wash, or a small service bay. We are direct about the extra forms. If all you wanted was a shopkeepers policy, this is not that.

Property has to include the canopy, underground or above-ground tanks as the form allows (or a companion tank policy), pumps, the store, and the car-wash building if you have one. Business income should assume a long fuel-site shutdown, not a two-week pipe repair. Equipment breakdown on car-wash and refrigeration equipment is a c-store claim we actually schedule.

General liability covers the lot, the store, and the coffee urn. It does not, on its own, cover a leaking tank or a sudden fuel release. Storage-tank coverage, when the form and the supply contract require it, is scheduled on the proposal so a tank claim is not argued under a GL exclusion. We do not run a standalone pollution-market page; tank and sudden-release questions stay on this fuel-retail file.

If you have a service bay, garagekeepers and shop exposures from our auto-repair page apply. If you sell beer or wine, liquor-law liability applies. If you have a car wash, we want the wash-water and chemical story. Overnight cash and crime limits should match how you actually close, not a $5,000 package default.

Washington station payroll stays with L&I. Multi-state operators — a small chain with sites in Oregon and Idaho, or a Texas pair plus an Indiana site — get a private WC program in those competitive states and stop-gap on the Washington employees. We do not replace L&I.

Risks we actually schedule

• Tank leaks, sudden fuel releases, and the cleanup a GL policy will not discuss.
• Customer-vehicle fires or lot accidents at the pump island.
• C-store slip-and-falls, late-night crime, and beer-and-wine liquor-law exposure.
• Canopy, pump, and car-wash property losses plus a long fuel-site shutdown.
• A service bay that was never scheduled as a garage exposure.