Gas Station Insurance in Arizona

Protect your gas station with customized insurance.


Arizona's vibrant cities and scorching deserts attract tourists and locals alike, keeping gas stations pumping at all hours. But with opportunity comes risk. From scorching sun on equipment to spills at the pump, protecting your Arizona gas station requires specialized insurance.

We understand the unique risks Arizona gas stations face, from heat-related breakdowns to fuel theft. We offer comprehensive coverage tailored to your gas station's size, location, and services.

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.

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Stats and Facts

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

  • From scorching summers to flash floods, Arizona's diverse weather demands robust insurance coverage.(Source: National Weather Service)
  • According to the National Association of Convenience Stores, gas stations rank among the top 10 riskiest retail businesses in the US. (Source: NACS)
  • According to the US Bureau of Labor Statistics, 2.1 out of every 100 gas station employees were injured in 2021. Some injuries may require time off, job transfers, or restricted duties.(Source:
  • 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.


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