Gas Stations & Convenience Stores Insurance
Most gas stations and convenience stores need general liability and commercial property. What you pay depends on your revenue, payroll, location and claims history.
Compare business insurance options
Tell us where to send it and we will come back with the coverages worth quoting for gas stations, what they typically cost, and which markets write the class. No call required, and we do not sell your details on.
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Recommended Coverages
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. For Gas Stations & Convenience Stores businesses, key exposures include slip-and-fall at pumps. Common claims include slip-and-fall at fuel island. Agent note: Tank age, material (fiberglass vs steel), and inspection records are the top underwriting factors
$1M per occurrence / $2M aggregate
Commercial Property
essentialPhysical damage to buildings, business personal property, equipment, inventory, and tenant improvements from covered perils (fire, wind, theft, vandalism). For Gas Stations & Convenience Stores businesses, key exposures include fire/explosion from fuel. Common claims include vehicle damage from fuel contamination.
Based on replacement cost of building and contents. Business income limits typically 12 months of projected revenue.
Workers Comp
recommendedMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job.
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Underground Storage Tank Liability
recommendedUnderground Storage Tank Liability provides specialized coverage tailored to the risks Gas Stations & Convenience Stores businesses face. Common claims include underground tank leak contamination.
Varies by carrier and state
Crime Insurance
situationalProtects Gas Stations & Convenience Stores businesses against losses from employee theft, robbery, forgery, and other criminal acts. Common claims include robbery.
Varies by carrier and state
Risk Profile
Physical
Liability
Professional
Property
Top Risks
- Environmental contamination from USTs
- Fire/explosion from fuel
- Robbery/theft
- Slip-and-fall at pumps
- Product liability from fuel
Carriers That Write Gas Stations & Convenience Stores
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Digital-first carrier optimized for micro-to-small businesses. Fast quoting process with broad class appetite and competitive pricing for straightforward risks.
Cost Estimate
We don't publish a price for this business type yet. See what businesses pay by industry.
Key Pricing Factors
- Number of tanks and age
- Tank inspection compliance
- Convenience store size
- Number of fuel dispensers