Looking for Gasoline Stations / Convenience Stores Insurance?
Protect your fuel station from liability claims, environmental risks, property damage, and product liability. Harper provides insurance for gas stations, convenience stores, truck stops, and fuel service facilities, with fast certificates for lenders, environmental agencies, and landlords.
What is Gasoline Stations / Convenience Stores Insurance?
Gas station insurance protects fuel retailers from a wide range of risks tied to fuel storage, retail operations, and customer traffic. These risks include fuel spills and leaks, underground storage tank contamination, customer injuries, property damage, and claims related to contaminated fuel. Coverage commonly includes general liability, environmental or pollution liability, property insurance, and product liability. Lenders, environmental regulators, and landlords typically require proof of insurance before approving financing, permits, or leases.
Environmental Liability (Pollution Coverage)
Protects against cleanup costs, third-party damages, and regulatory claims arising from fuel leaks, spills, or underground storage tank contamination.
General Liability
Covers customer injuries such as slips, falls, vehicle-related incidents, or accidents occurring on your property.
Property & Equipment Protection
Covers fuel pumps, underground tanks, canopies, convenience store inventory, refrigeration units, signage, and facility structures.
Product (Fuel) Liability
Protects against claims resulting from contaminated or defective fuel that causes vehicle damage or customer losses.
Garage & Service Liability (Optional)
Applies if your station offers car washes, minor vehicle services, or repair-related activities.
Workers Compensation
Covers employee injuries, medical costs, and lost wages for station and store staff.
Certificates
Fast proof of insurance for lenders, environmental agencies, landlords, and fuel suppliers.
Who Needs Gasoline Stations / Convenience Stores Insurance?
- Gas stations : Businesses requiring specialized insurance coverage
- Convenience stores with fuel sales : Businesses requiring specialized insurance coverage
- Truck stops : Businesses requiring specialized insurance coverage
- Fuel service and retail facilities : Businesses requiring specialized insurance coverage
Why Harper?
Fuel & Environmental Risk Expertise
Harper understands the unique exposure gas stations face, from underground storage tanks and environmental regulations to high customer traffic and fuel quality risk. Coverage is structured to address both retail and environmental liability.
Fast Proof for Financing & Regulatory Compliance
Lenders and environmental agencies often require detailed insurance documentation. Harper delivers accurate certificates and endorsements quickly to support compliance, audits, and financing timelines.
Clear, Practical Guidance
We explain pollution liability, product liability, and property coverage in straightforward terms so operators understand how coverage applies in real-world fuel station scenarios.
Coverage Matched to Your Operations
Whether you operate a fuel-only location, a convenience store with fuel, a truck stop, or a station with car wash and services, Harper aligns coverage with your setup and risk profile.
Frequently Asked Questions
What insurance do gas stations need?
Most gas stations need general liability for customer injuries, environmental (pollution) liability for fuel contamination, property insurance for equipment and buildings, and product liability for fuel-related claims. Workers compensation is required if you have employees. Stations offering vehicle services may also need garage liability.
Is gas station insurance required?
Yes. Lenders require comprehensive coverage for financing. Environmental agencies require pollution liability for underground storage tanks, and landlords typically require liability and property insurance.
How much does gas station insurance cost?
Smaller fuel-only stations often pay $8,000–$20,000 annually. Larger operations with convenience stores, multiple tanks, or added services may range from $20,000–$60,000+ depending on exposure and location.
Does insurance cover fuel spills or leaks?
Environmental liability coverage can apply to cleanup costs, third-party damages, and regulatory claims resulting from fuel leaks or spills, subject to policy limits and reporting requirements.
Does insurance cover contaminated fuel claims?
Product liability may cover claims when contaminated fuel causes vehicle damage, provided proper fuel handling, storage, and quality control procedures were followed.
Can I add fuel suppliers or distributors as additional insureds?
Yes. Supplier and branding agreements often require distributors to be added as additional insureds. Harper handles certificates and endorsements to meet contract requirements.