Gas Station Insurance
Comprehensive gas station insurance that safeguards your property and protects guests against accidents, giving you peace of mind knowing your business is secured while you focus on serving customers.
Your gas station faces unique risks - trust specialists who truly understand your industry.
With decades of specialized experience protecting gas station operators, our expert advisors bring deep understanding of fuel industry risks to every client relationship. We work closely with you to develop insurance solutions that safeguard against environmental hazards, equipment failures, and operational liability while anticipating regulatory compliance requirements. Our commitment to ongoing support ensures your gas station maintains comprehensive protection as your services and customer base grow.
Our licensed insurance professionals specialize in coverage for gas station operations, from single-location retailers to multi-site fuel distributors. Through continuous monitoring of environmental regulations, safety standards, and emerging operational risks, we stay ahead of evolving industry challenges. This proactive approach ensures your policy provides comprehensive protection against fuel contamination incidents, underground storage tank failures, and customer slip-and-fall accidents.
We go beyond standard insurance policies to provide comprehensive protection tailored to your gas station operations. Our coverage spans from fuel contamination and equipment breakdown to environmental liability and customer injury claims, ensuring every aspect of your fuel service business remains fully protected.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Building and Structure Coveragesafeguards gas station facilities, including fuel dispensers, underground storage tanks, and convenience store buildings against physical damage.
• Equipment Breakdown Protectioncovers repair or replacement of essential machinery, including fuel pumps, point-of-sale systems, and refrigeration units.
• Environmental Damage Coverageaddresses contamination incidents, including fuel leaks, chemical spills, and groundwater contamination from underground storage system failures.
• Weather-Related Protectionensures coverage against natural disasters, including storm damage, flooding impacts, and lightning strikes to station infrastructure.
• General Liability Protectioncovers customer injury claims, including slip-and-fall accidents, vehicle collisions, and incidents within store premises.
• Product Liability Coveragesafeguards against claims from defective products, including contaminated fuel, spoiled food items, and faulty automotive supplies.
• Premises Liability Insuranceprotects against property damage claims, including customer vehicle damage, parking lot incidents, and facility-related accidents.
• Operations Liability Protectionaddresses business activity risks, including fuel dispensing accidents, employee negligence, and service-related customer complaints.
• Business Interruption Coveragecompensates for income loss during temporary closures, including equipment failures, renovations, and mandatory shutdown periods.
• Employee Theft Protectionguards against internal losses, including cash register shortages, inventory theft, and fraudulent transaction schemes.
• Inventory Loss Coverageprotects against product losses, including theft, spoilage, and damage from equipment malfunctions or power outages.
• Cash Coverage Protectionsafeguards money on premises, including daily receipts, ATM contents, and money during transport to banks.
• Employee Injury Coverageprovides medical benefits for workplace accidents, including slip-and-falls, equipment-related injuries, and robbery-related trauma.
• Workplace Violence Protectioncovers incidents involving criminal acts, including robberies, customer confrontations, and threatening situation responses.
• Health Hazard Coverageaddresses exposure risks, including fuel vapors, chemical cleaning agents, and prolonged standing-related conditions.
• Emergency Response Protectionsupports first-aid situations, including customer medical emergencies, workplace accidents, and crisis management responses.
On average, Gas Station Insurance costs around $4,500 annually; however, individual premiums vary based on several factors:
Older storage tanks pose higher environmental risks, with tanks over 20 years old typically resulting in premium increases of 25-40 percent.
Stations dispensing higher monthly fuel volumes face increased liability exposure, directly impacting coverage costs for potential spill-related incidents.
Larger retail spaces with extensive inventory and foot traffic require higher coverage limits, affecting both property and liability premium calculations.
Stations in high-crime areas face elevated theft and vandalism risks, leading to increased premiums for property damage and loss coverage.
Stations with documented safety violations or previous environmental incidents typically experience higher premiums due to increased risk assessment scores.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
Gas stations require comprehensive environmental coverage, including both above-ground and underground storage tank insurance. Your policy should cover fuel leaks, contamination cleanup, and third-party bodily injury claims. Regular tank monitoring and testing documentation is typically required to maintain coverage. Some policies exclude pre-existing contamination or gradual leaks, so historical site assessments are crucial. Consider additional coverage for dispensing equipment and maintaining detailed inspection records to ensure claim validity.
Yes, product liability coverage within your gas station policy typically covers damage from contaminated fuel sales. However, you must maintain proper fuel testing and documentation procedures to validate claims. Regular fuel quality checks and tank maintenance records are usually required. Some policies may exclude certain contaminants or have limits on per-vehicle damage amounts. Implementing a robust fuel monitoring system and maintaining detailed sales records is essential for coverage protection.
Adding convenience store operations requires expanded coverage beyond standard gas station insurance, including additional liability and property protection. Your policy must specifically include food spoilage, liquor liability if selling alcohol, and increased theft coverage. Some insurers may require security systems and employee training programs. Regular safety audits and inventory control procedures can help manage risks and may reduce premiums. Maintain separate sales records for fuel and retail operations.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
