Gas stations and convenience stores are notoriously hard to place. Most agents push them away. We work with specialty carriers who actually want this risk — including operations open 24/7, with car wash bays, food service, or expanded retail.
Underground tanks. Above-ground tanks. Spills at the pump. Vapor releases. Soil contamination during routine maintenance. Standard general liability policies almost always exclude pollution events, which is exactly the kind of claim that bankrupts a fuel operation. We place dedicated storage tank pollution liability and premises pollution coverage that responds when the worst happens.
Adding services on top of fuel sales makes a lot of carriers nervous. Not us — we have specialty markets that specifically want these expanded operations.
Branded or independent stations, single or multi-pump, gasoline plus diesel, ethanol blends, or DEF. We write them all.
Snacks, beer & wine, lottery, hot food, coffee bar. We adjust the program to what you actually sell, not a generic template.
Tunnel, in-bay automatic, or self-serve bays. Equipment breakdown and slip/fall exposures included.
Late-night and overnight operations are higher-rated, but they're writeable. We have markets that price 24/7 stations fairly instead of declining them.
Click any line of business to see a plain-English explanation on our home page glossary.
Storage tank, premises, and operational pollution coverage built specifically for fuel operations. Responds to spills, leaks, and contamination claims that GL excludes.
RequiredBodily injury and property damage to third parties — slip-and-falls at the pump, in the store, or on the lot. The foundation of any commercial program.
See on glossary →Building, canopy, pumps, signage, store contents, and inventory — protected against fire, wind, theft, and vandalism.
See on glossary →Required the moment you hire your first cashier, pump attendant, or car wash tech. Covers medical and lost wages for on-the-job injuries.
See on glossary →For tow trucks, fuel haulers, mobile maintenance vehicles, or company vans. Personal auto policies almost always exclude business use.
See on glossary →Extra layer of liability that sits on top of GL, auto, and employer's liability. Strongly recommended given the public-facing, high-traffic nature of fuel operations.
See on glossary →Card-skimming, payment-system breaches, and POS data theft are common at fuel sites. Cyber covers notification costs, fines, and recovery expenses.
See on glossary →When the dispenser, point-of-sale, walk-in cooler, or car wash motor goes down, this coverage pays for repair plus lost income while it's offline.
RecommendedIf you sell beer, wine, or spirits, liquor liability picks up where GL stops — third-party claims arising from sales to intoxicated or underage buyers.
If ApplicableTell us about your operation — fuel only, c-store combo, car wash, 24/7, or any mix — and we'll line up the right markets.
Start My Quote →Disclaimer: The coverages, endorsements, and features described on this page are illustrative examples and may vary by carrier, state, and individual policy. Conexion Insurance Agency does not guarantee that any specific coverage, limit, or exclusion applies to your policy. Actual terms are governed solely by the policy issued to you — please review your own policy documents carefully and contact us directly for specifics about your account.