Gas Station & C‑Store Insurance — Fast COIs, UST Coverage, Contract‑Ready
Protect your station, pumps, and convenience store with the right mix: General Liability, Property & Business Income, UST Pollution Liability, Equipment Breakdown (pumps, refrigeration, POS), Crime, Cyber, Workers’ Comp, Umbrella, and HNOA. We issue same‑day COIs with landlord and city wording across California.
General Liability
Customer injuries, property damage, products/completed ops. Landlord‑ready AI/Primary wording on COIs.
Property & Business Income
Building, canopy, pumps, signs, shelves, refrigeration. Add Business Income incl. Off‑Premises Power/Utility Services.
UST / Pollution Liability
Third‑party injury/property damage & cleanup from tank leaks; helps with financial responsibility proof.
Equipment Breakdown
Pumps, compressors, coolers, freezers, POS electronics—even if not a fire peril.
Cyber (POS) & Crime
Data breaches, PCI, ransomware; money & securities, robbery/burglary, employee dishonesty.
Workers’ Comp & Umbrella
Protect employees and add higher liability limits for contracts and landlords.
What Gas Stations Need in California
- General Liability with landlord‑required endorsements (Additional Insured, Primary & Non‑Contributory, Waiver of Subrogation).
- Commercial Property (building/canopy/pumps/signs) + Business Income (consider Utility Services – Time Element and Off‑Premises Power Failure).
- Storage Tank (UST) / Pollution Liability—to address third‑party claims and cleanup costs from leaks; used for financial responsibility documentation with your local regulator.
- Equipment Breakdown for pumps, refrigeration, compressors, and POS systems.
- Crime (robbery/burglary, money & securities, employee dishonesty) and Cyber for POS/loyalty data.
- Workers’ Compensation (if you have employees), and optional Employment Practices Liability (EPLI).
- Hired & Non‑Owned Auto (bank runs, supply runs) and Commercial Auto if you own vehicles.
- Umbrella/Excess for higher contract or landlord limits.
- Liquor Liability if you sell beer/wine; Spoilage for refrigerated foods; Outdoor Signs & Plate Glass where needed.
Note: California UST oversight is administered locally (often by county CUPAs). Keep permits current and maintain financial responsibility proof. We’ll provide policy documents to support your filings.
UST / Pollution Liability: What It Does
- Third‑party liability for bodily injury/property damage from a covered release
- Cleanup costs as defined by the policy (on‑site/off‑site as available)
- Defense costs for covered claims
Good to know: Coverage terms vary. Some policies are tank‑scheduled; others include site pollution. We’ll align the form with your tank setup and permit requirements.
Business Income You Can Count On
- Loss of income after a covered property loss
- Utility Services (Time Element) & Off‑Premises Power Failure options
- Dependent property (if a key supplier outage would shut you down)
Ask about Equipment Breakdown pairing so non‑fire equipment failures don’t leave you exposed.
Who We Insure
- Independent gas stations and c‑stores
- Branded stations (ask about franchise/brand requirements)
- Sites with car wash and quick‑serve food
- New owners & station remodels
Serving Lathrop & Nearby Cities
We insure gas stations across California: San Joaquin County, Lathrop, Tracy, Stockton, Manteca, Ripon, Mountain House, Modesto, San Jose, Fremont, Santa Clara County, Sacramento, Fresno, Los Angeles, San Diego and more.
Ways to Save
- Bundle Property + GL + UST + Workers’ Comp + Umbrella
- Alarms/CCTV, lighting, drop‑safes, and cash handling procedures
- Employee training on fuel shut‑offs and spill kits
- Preventive maintenance for pumps, refrigeration, compressors
- Choose deductibles you can comfortably carry
Fast COIs & Contracts
- Additional Insured, Primary & Non‑Contributory
- Waiver of Subrogation
- Per‑location aggregate (where available)
Send us your lease or lender requirements—we’ll match the wording and issue certificates quickly.
Ready for a Fast, Competitive Quote?
We’ll compare carriers, align your coverage with California requirements, and issue COIs fast.
Call (209) 701‑6900
Book a Time
Gas Station Insurance — FAQs
Is “Garage Liability” required for a gas station?
Most standalone gas stations use General Liability. If you also perform vehicle repairs or oil changes, you may need Garage Liability and possibly Garagekeepers (for customers’ autos in your care). Tell us your operations—we’ll place the right form.
Do I need UST insurance for my tanks?
California regulators typically require proof of financial responsibility for underground storage tanks. Many owners satisfy this with Storage Tank/Pollution Liability insurance. Your local CUPA dictates the specifics; we’ll provide the documents they request.
What about loss of income if the power goes out?
Ask for Business Income with Utility Services – Time Element or Off‑Premises Power Failure where available. Pair with Equipment Breakdown to address non‑fire equipment failures.
Is liquor liability needed?
If you sell beer/wine, consider Liquor Liability. We’ll match your ABC license and landlord requirements.
Disclaimer: This page provides general information and isn’t a guarantee of coverage. Policy terms and eligibility vary by carrier and state.
