Fuel spills, environmental liability, equipment damage, robbery, and business interruption can devastate your operation. We build comprehensive gas station insurance that covers the risks unique to your business.
Gas station insurance is a specialized business coverage that protects convenience stores, fuel stations, and truck stops from financial losses unique to the industry. It combines general liability, commercial property, pollution liability, underground storage tank (UST) coverage, and business interruption into a comprehensive package. Unlike standard business insurance, gas station coverage includes environmental protection for fuel spills and tank contamination, plus coverage for the specific risks of fuel sales and customer interactions.
Every policy is different. Here are the key coverages available for trucking insurance — we'll customize a package that fits your specific needs.
Covers bodily injury and property damage claims from customers or third parties at your location. Essential protection for slip-and-fall incidents and customer accidents.
Protects your building, fuel pumps, convenience store fixtures, equipment, and inventory against fire, theft, storms, and other perils.
Covers contamination from fuel leaks, spills, and underground storage tank (UST) or aboveground storage tank (AST) failures. Includes cleanup costs and third-party claims.
Replaces lost income if your gas station is forced to shut down due to fire, environmental contamination, or another covered peril.
Covers your fleet vehicles used for business — delivery trucks, service vehicles, and company cars. Includes liability and physical damage.
Additional liability protection above your primary policy limits. Critical for high-risk operations handling flammable materials and serving high customer volumes.
If you own or operate a gas station, convenience store with fuel pumps, truck stop, or any retail operation selling fuel, you need specialized insurance. The environmental risks from fuel storage and handling — plus the liability from serving high-traffic customer bases — make standard business insurance inadequate. Gas station operators face unique exposures that require pollution liability, UST/AST coverage, and business interruption protection.
See What You Can SaveFill out the form and a Nova Coverage agent will shop 50+ carriers to find you the best gas station insurance rate — usually within 24 hours.
We're not locked into one carrier. As an independent agency, we represent 50+ top-rated insurance companies — so we shop the market to find you the best coverage at the best price.
Gas station insurance typically includes general liability (bodily injury, property damage), commercial property coverage for your building and equipment, pollution and environmental liability for fuel spills and tank leaks, business interruption for lost income during shutdowns, and commercial auto for fleet vehicles. Underground storage tank (UST) insurance covers contamination and cleanup costs.
Not automatically. You need specific pollution liability and environmental coverage, plus separate underground storage tank (UST) or aboveground storage tank (AST) insurance. This coverage protects against cleanup costs, third-party bodily injury claims, and property damage from fuel leaks or contamination. We'll make sure your policy includes this critical coverage.
Costs vary based on location, number of pumps, annual revenue, tank age, maintenance records, and claims history. Smaller convenience store gas stations typically pay less than full-service operations or truck stops. We recommend getting a free quote to see personalized pricing for your specific operation.
General liability covers accidents on your property — a customer slips, or your equipment damages their vehicle. Pollution liability covers environmental damage — fuel leaks that contaminate soil or groundwater, or spills that require cleanup. Both are critical for gas station owners, and you typically need both coverages.
Let Nova Coverage shop 50+ carriers for your best rate. It's free, fast, and no obligation.
Have any Question? Ask us anything, we’d love to answer!
Nova Coverage LLC is a women-owned independent insurance agency serving families and businesses across 19+ states. We protect what matters most.
© 2026, Nova Coverage. All Rights Reserved by Nova Coverage
