Gas Station Insurance
Gas stations operate around the clock with fuel, foot traffic, and liability at every pump. Gas Station insurance gives station owners the specialized protection they need when a spill, a customer injury, or a property loss threatens the operation they depend on.
Full Coverage for the Business That Never Closes
Running a gas station means managing fuel storage, convenience retail, vehicle traffic, and public safety all at once and all day long. Underground storage tanks, fuel spills, slip and fall accidents, and the constant flow of customers create a combination of risks that standard commercial policies were never built to address.
Commercial General Liability
Covers third-party bodily injury and property damage claims arising from your station operations, including customer slip and fall accidents, pump-related incidents, and injuries occurring anywhere on your property.
Underground Storage Tank Liability
Covers the costs of cleaning up fuel leaks and spills from underground storage tanks, including third-party bodily injury, property damage, and regulatory compliance expenses tied to environmental contamination.
Commercial Property Coverage
Protects your building, fuel canopy, pumps, convenience store inventory, and equipment against fire, theft, vandalism, storm damage, and other covered perils that could disrupt your operations and revenue.
Business Interruption Coverage
Compensates you for lost revenue when a covered event forces a temporary closure, keeping your financial obligations covered while your station is repaired and returned to operation.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Independent Station Owners and Operators
Single-location owners carry every layer of environmental, property, and customer liability personally. The right policy protects your investment, your compliance standing, and your income when an incident at the pump or in the store generates a claim.
Multi-Location Operators and Fuel Retail Groups
Owners managing multiple stations face compounded liability across every location, every tank, and every customer interaction. Scalable coverage ensures consistent protection across your entire portfolio without gaps that one environmental or property claim could expose.
Built for the Owners Behind Every Pump and Every Register
Gas station owners face a combination of environmental, property, and customer liability risks that no standard commercial policy was designed to handle. Whether you operate a single station or manage multiple locations, your coverage needs to reflect the unique demands of fuel retail operations.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
What is underground storage tank liability and why does my station need it?
Underground storage tank liability covers the costs of fuel leaks, soil contamination, and groundwater pollution that originate from the tanks beneath your station. Environmental cleanup costs can reach into the hundreds of thousands of dollars and standard commercial property policies do not cover them. Most states also require UST coverage as a condition of operating a fuel retail business, making it both a legal requirement and one of the most financially critical components of any gas station insurance program.
Does my policy cover the convenience store attached to my station?
Yes, if your policy is structured to include it. A comprehensive gas station policy can be written to cover both the fuel operation and the attached retail space under a single program, including the building, inventory, point-of-sale systems, and general liability for the store itself. Products liability for food service items sold in the store should also be discussed with your agent, particularly if your location prepares or sells ready-to-eat food items that carry their own exposure beyond standard retail products liability.
Am I covered if a customer damages a fuel pump or causes a spill on my property?
It depends on how the damage occurred and who is at fault. If a customer drives into a pump or causes a spill through their own negligence, their auto liability insurance is typically the primary source of recovery for your property damage. Your commercial property coverage may respond as a secondary source depending on your policy terms. For spills that trigger environmental cleanup obligations, your UST coverage is what addresses the remediation costs regardless of fault. Discussing how your policy responds to each of these scenarios with your agent before an incident occurs is the best way to avoid coverage surprises at the worst possible moment.
Ready to Get Started?
Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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