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⛽ Florida · Gas Station Insurance

Gas Station Insurance
in Florida

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

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

Free Florida Quote

We respond within one business hour.

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Licensed in Florida
20+ Years Experience
Independent — 6 Carriers Shopped
Hard-to-Place Risks Welcome
Same-Day Quotes

Protecting Florida Gas Station Owners for 20+ Years

Secure Risk Partners is licensed in Florida and specializes in gasoline station insurance across the state. Florida's FDEP regulates underground storage tanks with strict compliance requirements — we know exactly what coverage you need.

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
14,000+
Gas Stations in FL
$1M
Min UST Requirement
FDEP
Regulates UST

Florida FDEP requires $1M minimum UST financial responsibility

Florida also requires workers' compensation for businesses with 4 or more employees.

Every Coverage Florida Gas Station Owners Need

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

⚠️ Regulatory Req.⚗️

Underground Storage Tank (UST)

Financial responsibility coverage required by Florida's FDEP. 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.

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Property Insurance

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

🤝

General Liability

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

📉

Business Interruption

Replaces lost revenue when a covered loss — including storm damage — shuts you down.

👷

Workers' Compensation

Required for businesses with 4+ employees in Florida — we place competitive coverage fast.

We Know Florida. We Know Your Risk.

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

Hartford
Travelers
Lloyd's of London
Hiscox
Progressive
Guard

Florida Gas Station Insurance FAQ

Does Florida require gas stations to carry UST insurance?
Yes. Florida's Department of Environmental Protection (FDEP) requires gas station owners with underground storage tanks to maintain a minimum of $1 million in UST financial responsibility coverage.
Is pollution liability included in a standard GL policy?
No. Standard general liability policies specifically exclude pollution events including fuel spills and underground leaks. A separate pollution liability policy is essential for Florida gas station owners.
Can you insure a Florida 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 to discuss your situation.
Do I need hurricane coverage for my gas station?
We strongly recommend it. Florida gas stations face significant hurricane exposure. We can structure your property policy to include windstorm and hurricane coverage appropriate for your location.
How quickly can you get a Florida 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 within a few hours.
Do you cover gas stations with convenience stores in Florida?
Yes. We cover the full property including building, canopy, dispensers, fuel systems and store contents under one package policy for Florida gas station owners.

Ready for Your Florida 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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💬 Ask Alex
🤖
Alex
SRP Insurance Assistant