COMMERCIAL INSURANCE
Gas Station Insurance
Gas stations carry an exposure few other retailers face: underground storage tanks and the pollution risk that comes with fuel. Add theft, customer traffic, and a convenience store, and the right program has to do more than a standard policy. We place fuel risks with markets that understand them.
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Quick Answer: Gas station insurance is a package built for fuel retailers. The core pieces are general liability, commercial property, underground storage tank (UST) pollution liability, crime, and business income, plus convenience store coverage when the location sells goods. The pollution exposure from fuel storage is what sets it apart from ordinary retail.
A gas station combines retail, fuel handling, and environmental risk in one location. A fuel spill or leaking underground tank can trigger costly cleanup and third-party claims, while the store itself faces theft, slip-and-falls, and property losses. Standard retail policies are not built for the pollution side, so we place gas stations through markets that understand fuel and underground storage tanks.
What Gas Station Insurance Covers
General Liability
Customer injuries and third-party property damage on your lot and in the store.
Commercial Property
Canopy, pumps, building, and inventory against fire, wind, and other covered losses.
UST Pollution Liability
Fuel spills and leaking underground storage tanks, including cleanup and third-party claims.
Crime & Theft
Robbery and burglary of cash and inventory.
Business Income
Lost revenue while a covered loss shuts down the station for repairs.
Commercial Auto
Owned vehicles and, where needed, tow or service trucks.
Underground Storage Tanks: The Exposure That Defines Fuel Risk
The pollution exposure from underground storage tanks is what makes gas stations a specialty class. A leak or spill can contaminate soil and groundwater, trigger state-mandated cleanup, and bring third-party bodily injury and property damage claims, and standard general liability typically excludes it. UST and pollution liability coverage responds to those costs. Getting this coverage right, alongside the right property and liability limits, is the single most important part of insuring a fuel location.
Fuel Businesses We Insure
Gas Stations with C-Stores
Fuel locations with an attached convenience store, the most common setup.
Fuel-Only Stations
Pumps and canopy without a full store, still carrying tank exposure.
Truck Stops & Travel Centers
Larger fuel locations serving commercial traffic.
Stations with Service Bays
Locations adding repair or service work, with garage exposure.
Gas Station Coverages, and What Each Does
A gas station program is several coverages working together. Knowing which responds to which claim is how you avoid a gap:
- General liability - lot and store injuries and third-party damage.
- Commercial property - canopy, pumps, building, and inventory.
- UST pollution - fuel leaks, spills, and mandated cleanup.
- Crime and theft - robbery and burglary of cash and goods.
- Business income - lost revenue while closed for a covered loss.
These coverages are part of our retail insurance programs, built for your store.
What Gas Station Insurance Costs
| Store type / size | Typical annual premium |
|---|---|
| Small fuel-only station | $5,000 to $12,000 |
| Gas station with c-store | $8,000 to $20,000 |
| Truck stop / travel center | $15,000 to $50,000+ |
| Station with service bays | $10,000 to $30,000 |
Estimates only; exact premium depends on sales, inventory, location, and loss history, and is confirmed by a producer.
What Our Clients Say
Why Gas Stations Choose Pro Insurance Group
Specialty Market Access
We place stores standard carriers decline, through markets built for the class.
Independent Broker
We shop multiple carriers and specialty markets for the best fit on coverage and price.
$0 Broker Fees
Carriers pay us, not you. Shopping your store costs nothing.
Fast Certificates
Landlord and vendor COIs issued quickly, with the exact language required.
Gas Station Insurance FAQ
What is gas station insurance?
It is a package built for fuel retailers, including general liability, property, underground storage tank pollution liability, crime, and business income, plus convenience store coverage when the location sells goods.
Does gas station insurance cover underground storage tanks?
Yes, when written correctly. UST pollution liability responds to fuel leaks and spills, including cleanup and third-party claims, which standard general liability excludes.
Why is gas station insurance more expensive than other retail?
The fuel and underground tank pollution exposure adds risk and cleanup cost that ordinary retail does not carry, so it is placed through specialty markets and priced accordingly.
How much does gas station insurance cost?
A small fuel-only station often runs $5,000 to $12,000 a year; stations with a c-store or service bays more; truck stops higher still. Premium depends on tanks, sales, and operations, priced by a producer.
Do you cover the convenience store too?
Yes. We package the store coverage with the fuel and pollution coverages, so the whole location is protected under one program.
Cover the Fuel, the Store, and the Tanks
One fuel leak or tank failure can cost more than the station earns in a year. The right program protects your liability, your property, and the pollution exposure. Let us review your station and quote it today.
Get My Gas Station QuoteReviewed by Neal Fusco, VP, Commercial Lines
Neal leads commercial lines at Pro Insurance Group and places gas station, convenience store, and other fuel and retail programs with the right carriers at the best price.