Gas Station Insurance
Gas Station Insurance Checklist
Before insuring a gas station, confirm you have UST & pollution liability, commercial property at full replacement cost, general liability, business income, an umbrella, and workers’ comp for staff — and have your tank details, statement of values, sales figures, and loss runs ready. The checklist below walks through both the coverages to confirm and the documents to gather so your quote is fast and accurate.
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Quick Answer
Before insuring a gas station, confirm you have UST & pollution liability, commercial property at full replacement cost, general liability, business income, an umbrella, and workers’ comp for staff — and have your tank details, statement of values, sales figures, and loss runs ready. The checklist below walks through both the coverages to confirm and the documents to gather so your quote is fast and accurate.
Cost Factors
Coverages to Confirm
| Coverage |
Confirm you have it |
| UST & pollution liability |
In force and not excluded — the core fuel-retailer coverage. |
| Commercial property |
Building, canopy, pumps, signage, contents at replacement cost. |
| General liability |
Customer injury exposure covered at adequate limits. |
| Business income |
Lost revenue covered during a forced closure. |
| Umbrella / excess |
Added limit above your underlying liability. |
| Workers’ comp |
In place for all employees. |
Your exact premium comes from a real quote on your station’s numbers.
Key Factors
What Really Drives the Decision
Coverage first
Work top-to-bottom through the core coverages and confirm each is actually in force — especially pollution liability, which standard policies exclude.
Documents second
Having tank details, a statement of values, sales, and loss runs ready is what turns a multi-day quote into a same-day one.
Limits last
Once coverage and documents are set, decide the liability and umbrella limits that match your exposure.
What Coverage to Review
Make Sure These Are in Place
✓
UST & pollution liability — confirmed in force.
✓
Property at full replacement cost including canopy and pumps.
✓
General liability at adequate limits.
✓
Business income for forced closures.
✓
Umbrella / excess for catastrophic claims.
✓
Workers’ comp for staff.
Checklist
Have This Ready for a Fast Quote
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Statement of values: building, canopy, pumps, signage, contents
-
Number of dispensers and underground storage tanks
-
Tank age, materials, and leak-monitoring method
-
Annual fuel and in-store sales
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3–5 years of loss runs
-
Any car wash, kitchen, repair bay, or alcohol sales
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Desired general-liability and umbrella limits
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Branded-dealer insurance requirements, if applicable
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
What’s the one item owners most often miss?
Pollution liability. Many assume a tank leak is covered when it’s actually excluded from a standard policy — confirm it’s explicitly in force.
What documents speed up my quote?
A current statement of values, tank details, sales figures, and 3–5 years of loss runs. With those in hand we can often quote same-day.
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 a Gas 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
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