Gas Station Insurance
Shell Gas Station Insurance
Shell-branded stations need the same core protection as any fuel retailer — UST and pollution liability, commercial property for the canopy, pumps and store, general liability, business income, and an umbrella — plus coverage that meets the insurance requirements in your branded-dealer agreement. As an independent agency we build that program and shop it across 6 carriers rather than tying you to one.
📍 Serving gas stations from our Dallas headquarters · Licensed in TX · CA · FL · AZ · GA · WA · DC
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✓ 20+ Years Commercial Experience
✓ Gas Station Specialists
✓ 6 Top Carriers Shopped for You
✓ Independent — We Work for You
✓ Same-Day Quotes Available
Quick Answer
Shell-branded stations need the same core protection as any fuel retailer — UST and pollution liability, commercial property for the canopy, pumps and store, general liability, business income, and an umbrella — plus coverage that meets the insurance requirements in your branded-dealer agreement. As an independent agency we build that program and shop it across 6 carriers rather than tying you to one.
Cost Factors
Coverage for a Shell-Branded Station
| Coverage |
Why it matters for a branded station |
| UST & pollution liability |
Underground tank exposure is the same regardless of brand — and excluded from standard policies. |
| Commercial property |
Canopy, dispensers, branded signage, and store contents at replacement cost. |
| General liability |
Customer injury at the pump or in the store. |
| Umbrella / excess |
Higher limits to satisfy brand agreements and protect against large claims. |
| Additional insured |
Branded-dealer agreements often require specific insured parties and limits — we structure to match. |
Your exact premium comes from a real quote on your station’s numbers.
Key Factors
What Really Drives the Decision
Brand agreements set requirements
Branded-fuel agreements commonly specify minimum limits and required insured parties. We read those terms and build coverage that complies.
The fuel exposure is unchanged
A brand on the canopy doesn’t change the underground-tank and pollution exposure underneath — that coverage is essential either way.
Independent means choice
We’re not tied to one carrier, so we shop your branded station across 6 to find the best fit.
What Coverage to Review
Make Sure These Are in Place
✓
UST & pollution liability for underground tanks.
✓
Property covering canopy, pumps, branded signage, and contents.
✓
General liability sized to traffic.
✓
Umbrella limits that meet your brand agreement.
✓
Required additional-insured parties named correctly.
Checklist
Have This Ready for a Fast Quote
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Pull the insurance requirements from your branded-dealer agreement
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Confirm required limits and additional insureds
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Verify UST & pollution liability is in force
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Insure branded signage and canopy at replacement cost
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Set umbrella limits to meet the agreement
Our Carrier Partners
We Shop All 6. You Get the Best Deal.
Independent means we work for you — not the carriers.
Hartford
Travelers
Lloyd’s of London
Hiscox
Progressive
Guard
Quick Questions
Does Shell provide my insurance?
No — branded dealers carry their own coverage and must meet the requirements in their agreement. We build a program that satisfies those terms and protects your business.
Does a standard business policy cover an underground tank leak?
Almost never — pollution from underground storage tanks is typically excluded from a standard policy. Gas stations need dedicated UST and pollution liability built into the program.
Do you work with multiple carriers?
Yes. We’re independent and shop Hartford, Travelers, Lloyd’s of London, Hiscox, Progressive, and Guard so you get the best available terms.
How fast can I get a quote?
Often same-day. Submit the form or call (469) 983-2600 and we respond within one business hour.
Get Your Shell Station Quote
Free, no-obligation quote. We respond within one business hour.
✓20+ years commercial insurance experience
✓Independent — we shop 6 top carriers for you
✓Gas station insurance specialists
📞 (469) 983-2600
Request a Free Quote