Key Risks for Gas Stations & C-Stores

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Operating a fuel and retail business creates exposures beyond typical retail stores, including:

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• Environmental risks – fuel spills, underground tank leaks, and EPA compliance

• Crime & theft – robbery, shoplifting, and employee dishonesty

• Food service liability – contaminated food or beverage claims

• Liability claims –slip and falls, or crimes committed in your parking lot

• Property damage – fire, explosion, or severe weather losses

• Workers’ injuries – slips, falls, and equipment-related accidents

• Cyber liability – hacks and data breaches of your systems

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Coverage Options We Provide

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Our programs are built to address industry-specific risks:

• General Liability Insurance – coverage for third-party claims

• Property Insurance – buildings, inventory, and equipment

• Workers’ Compensation – protection for employees

• Commercial Auto – for fuel delivery and service vehicles

• Pollution Liability – fuel storage tank and environmental coverage

• Crime Insurance – protection against theft, forgery, and robbery

• Umbrella & Excess Liability – higher limits to meet contract requirements

• Bonding – Lottery, sales tax, power, or other bonding needs for your c store