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⛽ California · Gas Station Insurance

Gas Station Insurance
in California

UST Coverage · Pollution Liability · Property & GL — licensed California specialists with 20+ years of commercial insurance experience.

📍 Licensed in CA · TX · FL · AZ · GA · WA · DC

Free California Quote

We respond within one business hour.

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SRP Cover Insurance Services — CA License #6012103

Licensed in California
20+ Years Experience
Independent — 6 Carriers Shopped
Hard-to-Place Risks Welcome
Same-Day Quotes
🏛️ Licensed in California as SRP Cover Insurance Services — License #6012103

Protecting California Gas Station Owners for 20+ Years

Secure Risk Partners is licensed in California as SRP Cover Insurance Services and specializes in gasoline station insurance across the state. California has some of the strictest UST and environmental regulations in the country — we know them inside and out.

As an independent agency we shop Hartford, Travelers, Lloyd's of London, Hiscox, Progressive, Guard and more to find you the best coverage at the best price.

📞 Call (469) 983-2600
18,000+
Gas Stations in CA
$1M
Min UST Requirement
CUPA
Regulates UST

California requires $1M minimum UST financial responsibility via CUPA

California also mandates workers' compensation for all employees. CARB fuel regulations add additional compliance requirements.

Every Coverage California Gas Station Owners Need

We write all of these for California business owners — individually or as a complete package.

⚠️ Regulatory Req.⚗️

Underground Storage Tank (UST)

Financial responsibility coverage required by California's CUPA program. We place UST for clean stations and prior releases.

⚠️ GL Excludes This🌊

Pollution Liability

Fuel spills are excluded from standard GL policies. Pollution liability pays for cleanup costs and third-party claims.

🏗️

Property Insurance

Building, canopy, dispensers and c-store contents at replacement cost.

🤝

General Liability

Slip and falls, customer injuries and third-party damage.

📉

Business Interruption

Replaces lost revenue when a covered loss shuts you down.

👷

Workers' Compensation

Mandatory in California — we place competitive workers' comp for gas station employees.

We Know California. We Know Your Risk.

Independent agency. 6 carriers compared. Licensed in California and 6 other states.

Hartford
Travelers
Lloyd's of London
Hiscox
Progressive
Guard

California Gas Station Insurance FAQ

Does California require gas stations to carry UST insurance?
Yes. California's Certified Unified Program Agency (CUPA) requires gas station owners with underground storage tanks to maintain a minimum of $1 million in UST financial responsibility coverage. California has some of the strictest environmental regulations in the country.
Is pollution liability included in a standard GL policy?
No. Standard general liability policies specifically exclude pollution events including fuel spills and underground leaks. You need a separate pollution liability policy to cover cleanup costs and third-party claims — especially important in California given strict environmental enforcement.
Can you insure a California gas station with a prior fuel release?
Yes. We work with specialty carriers including Lloyd's of London that will consider stations with prior releases on a case-by-case basis. Call us directly to discuss your specific situation.
Is workers' compensation required for gas stations in California?
Yes. California requires all employers to carry workers' compensation insurance for their employees. We place competitive workers' comp policies for gas station owners across the state.
How quickly can you get a California quote?
Same day in most cases. We need basic information about your station — location, number of tanks, square footage and current coverage — and we can typically have options in front of you within a few hours.
Do you cover gas stations with convenience stores in California?
Yes. Most of our California gas station clients also operate c-stores. We cover the full property including the building, canopy, dispensers, fuel systems and store contents under one package policy.

Ready for Your California Quote?

Give us 15 minutes. We'll show you exactly what you need, what you're missing and what we can do. No obligation.

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Get Your California Quote

SRP Cover Insurance Services — CA License #6012103

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Alex
SRP Insurance Assistant