Gas Station Insurance

Protect your gas station with customized insurance.
Click to request a quote and ensure your business's future today!


Gas stations are more than just fuel stops; they're complex businesses that often combine retail operations, food services, and car washes. This blend of services exposes them to unique risks, from environmental liabilities to accidents on the premises. 

Gas station insurance is designed to address these specific challenges, providing comprehensive coverage that protects owners against property damage, liability claims, and business interruptions. 

Whether it's a spill, a customer injury, or an equipment breakdown, having the right insurance ensures that gas station operators can focus on running their business with peace of mind, knowing their assets and operations are well-protected.

How much does it Cost?

The cost of gas station insurance varies depending on several factors including location, services offered, payroll, sales, and experience. Here's a summary based on different sources:

  • A standard $1,000,000/$2,000,000 General Liability Insurance policy for small gas stations can range from $97 to $139 per month​
  • The average insurance cost for a gas station business can range between $750 and $1300 per year, with monthly rates between $68 and $91 from two providers​
  • General liability insurance with $1 million in coverage is approximately $100 per month or $1,200 per year.

These figures are averages and can vary dramatically based on location, the specific services offered by the gas station, and other risk factors. For the most accurate estimate, contact us today!

Benefits of Choosing Us

When it comes to protecting your gas station business, choosing the right insurance partner is critical. Here's why you should consider E360 Insurance for your insurance needs:

  • Tailored Coverage: Tailored to each gas station's unique needs, we provide specific coverage solutions, ensuring you pay only for what you need.
  • Industry Expertise: Specializing in gas station insurance, our experienced team offers expert advice on best practices and coverage to effectively reduce your risks.
  • Comprehensive Protection: Our policies safeguard your business against diverse risks, from environmental liability to equipment breakdown, ensuring thorough protection and operational continuity.
  • Responsive Claims Service: Our team quickly and fairly processes claims, minimizing disruptions and promptly restoring your operations.
  • Competitive Pricing: We aim to deliver the best market rates without sacrificing coverage quality, ensuring you receive top value for your insurance investment.
  • Personalized Support: Beyond policies, we value personal connections, offering continuous support and advice to safeguard your investment for the long haul


What is Covered

Our gas station insurance is designed to provide robust protection across various aspects of your business. Here's what our coverage typically includes:


Property DamageProtects your physical assets, including the gas station building, pumps, and signage, from fire, vandalism, and other forms of damage.
Environmental LiabilityCovers cleanup costs and legal fees associated with fuel spills and contamination, ensuring compliance with environmental regulations.
General LiabilityShields against claims of bodily injury or property damage sustained by customers on your premises, such as slip and fall accidents.
Equipment BreakdownOffers financial protection against the costs of repairing or replacing essential equipment that breaks down, such as fuel dispensers and car wash machinery.
Business InterruptionProvides compensation for lost income and helps cover operating expenses if your gas station has to close temporarily due to a covered event.
Workers' CompensationEnsures your employees are protected in case of work-related injuries or illnesses, covering medical expenses and lost wages.
Crime CoverageProtects against losses resulting from crimes such as theft, fraud, or vandalism committed by employees or third parties.


This comprehensive coverage ensures that every aspect of your gas station business is protected, from daily operations to unforeseen events. With our insurance, you can confidently manage your business, knowing that you're prepared for whatever comes your way.

Additional Coverage

To further enhance your protection, we offer additional coverage options that can be tailored to meet the specific needs of your gas station business. These add-ons include:


Cyber Liability InsuranceThis coverage protects against data breaches, cyberattacks, and other online risks that could affect your business operations or customer information.
Employment Practices LiabilityShields your business from claims by employees alleging discrimination, wrongful termination, harassment, and other employment-related issues.
Product LiabilityOffers protection in case the products sold at your gas station, such as food or automotive products, cause harm or injury to a customer.
Liquor LiabilityEssential for gas stations that sell alcoholic beverages. This coverage protects against claims resulting from the sale of alcohol to intoxicated persons or minors.
Commercial Auto InsuranceIf your business owns vehicles used for operations, such as delivery or maintenance trucks, this coverage provides protection against liability and physical damage.
Signage CoverageOffers specific protection for outdoor signs not attached to your building, which may not be covered under standard property insurance.


These additional coverage options are designed to provide a safety net for aspects of your business that may require specialized protection.

Cost Factors

The cost of gas station insurance can vary widely depending on several key factors. Understanding these factors can help you anticipate your insurance expenses and make informed decisions about your coverage. Here are the main elements that influence the cost of your insurance policy:

  • Business Size and Location: Larger gas stations or those located in areas with higher crime rates or environmental risks may face higher insurance costs due to increased exposure to potential claims.
  • Types of Services Offered: Gas stations offering additional services such as car washes, auto repairs, or convenience stores may require more comprehensive coverage, affecting the overall cost.
  • Revenue: The amount of money your gas station generates can impact your insurance rates. Higher revenue often indicates more customers and, consequently, a higher likelihood of claims.
  • Claims History: A history of frequent claims can signal higher risk to insurers, leading to increased premiums. Conversely, a clean claims record may qualify you for lower rates.
  • Coverage Limits and Deductibles: Choosing higher coverage limits will provide more protection but also increase the cost of your policy. Similarly, selecting a lower deductible can raise your premium, while a higher deductible may reduce it.
  • Safety Measures and Risk Management: Implementing safety measures such as security cameras, spill prevention systems, and employee training programs can mitigate risks and potentially lower insurance costs.

Each of these factors contributes to the overall risk assessment conducted by insurers when determining your premium. By understanding and addressing these areas, you can better manage your insurance costs and ensure your business is adequately protected.

Our Insurance Services States

a building in nevada surrounded by trees


a large while building in texas


a government building in arizona


hollywood written on mountain


Stats and Facts

To underscore the importance of comprehensive insurance for gas station businesses, here are some relevant stats and facts:

  • The US gas station insurance market is large and growing, valued at $6.2 billion in 2023 and projected to reach $8.1 billion by 2028 (Source: IBISWorld).
  • With over 125,000 operating gas stations, proper insurance is crucial for protecting their assets and mitigating risks. (Source: National Association of Convenience Stores)
  • Annually, the United States sees thousands of fires at gas stations, emphasizing the need for property and liability coverage.
  • Cleanup costs for fuel spills can easily reach hundreds of thousands of dollars, not including potential fines and legal fees.
  • These are among the most common liabilities faced by gas stations, with settlements and medical costs that can significantly impact finances.
  • Small businesses, including gas stations, are the target of approximately 43% of all cyberattacks, highlighting the growing need for cyber liability insurance.
  • The Bureau of Labor Statistics reports that the retail trade, including gas stations, has one of the higher rates of injury and illness among industry sectors. (Source: BLS.GOV)
  • Gas stations are frequently targeted for theft and vandalism, necessitating crime coverage as part of their insurance policy.


Our Reviews

Admin Magic Rentals
Admin Magic Rentals
15 February 2024
Great company! Mario & Ciara are the best & always super helpful.
Pink Elephants Moving And Storage
Pink Elephants Moving And Storage
10 February 2024
I have been using their services for a very long time. For my Car Insurance for my business insurance for any insurances. Need that I ever had to have. And I can tell you. It's different than using cheap insurance services that you don't know what you're getting into in e360 You have an answer for all your questions. They will ever always take care of your needs and they will always put you. First
Raymond Fouladian
Raymond Fouladian
7 February 2024
I have been working with PJ and his team for 10+ years. They manage all of my insurance policies. They provide nothing short of superior service. The e360 team are professional, experienced and pay attention to any and all details. I would highly recommend e360 for all of your insurance needs.
Luis Pineda
Luis Pineda
7 February 2024
M gusto su servicio contesto todas mis preguntas
Dominique Maneri
Dominique Maneri
1 February 2024
Harvey was an excellent help throughout the whole process of getting our insurance quotes! We'd waited months from another provider to receive competitive quotes but received quotes from e360 Insurance Services within just a week or two of asking for them! On top of that, Harvey was extremely communicative throughout the whole process. Anytime I had a question, there was a prompt response or a phone call to further explain. We will definitely consider using e360 Insurance Services in the future!
Krista Adler
Krista Adler
17 January 2024
Veronica and her team were amazing! They answered all our questions and got our new account active very fast! Thanks for all your help!
Jeffrey Holman
Jeffrey Holman
9 January 2024
Veronica did an amazing job getting my commercial vehicle insurance set up. Fast and painless! Thanks Veronica!