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⛽ Texas · Gas Station Insurance

Gas Station Insurance
in Texas

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

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

Free Texas Quote

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

Protecting Texas Gas Station Owners for 20+ Years

Secure Risk Partners is licensed in Texas and specializes in gasoline station insurance for business owners across the state. We understand Texas regulations, risks and carrier markets.

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
15,000+
Gas Stations in TX
$1M
Min UST Requirement
TCEQ
Regulates UST

Texas TCEQ requires $1M minimum UST financial responsibility

Workers comp is not mandatory in Texas but strongly recommended for gas station employees.

Every Coverage Texas Gas Station Owners Need

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

⚠️ Regulatory Req.⚗️

Underground Storage Tank (UST)

Financial responsibility coverage required by TCEQ. 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.

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General Liability

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

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Business Interruption

Replaces lost revenue when a covered loss shuts you down.

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Workers' Compensation

Fast, competitive placement for gas station employees in Texas.

We Know Texas. We Know Your Risk.

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

Hartford
Travelers
Lloyd's of London
Hiscox
Progressive
Guard

Texas Gas Station Insurance FAQ

Does Texas require gas stations to carry UST insurance?
Yes. The Texas Commission on Environmental Quality (TCEQ) requires gas station owners with underground storage tanks to maintain a minimum of $1 million in UST financial responsibility coverage. This is separate from your general liability policy.
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.
Can you insure a 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 situation.
Is workers' compensation required for gas stations in Texas?
Texas is the only state where workers' compensation is not mandatory for most private employers. However we strongly recommend it for gas station owners given the physical nature of the work and exposure to fuel and equipment.
How quickly can you get a 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?
Yes. Most of our 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 Texas 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
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Alex
SRP Insurance Assistant