Insurance for Gas Stations with a Convenience Store

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844-9933 anytime.

Better, Regardless of Your Size

  • Gas stations and convenience store insurance at the click of a mouse; apply for a quote today

  • Fill 'er up! Easy insurance plans that you won't require a full tank

  • Low cost, easy insurance for gas stations with convenience stores

  • Hear that? That's the sound of money filling up your business

Coverage Plans for All Your Needs


Essential coverages for your gas station

General Liability (GL)

Instant quote »


  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations


When you also have equipment or operate from a store

General Liability + Property (bundle them with a BOP)

Instant quote »

All Basic plan benefits and:

  • Bodily injury
  • Damage to third party property
  • Business personal property
  • Personal injury
  • Lost business income
  • Equipment breakdown


Get protected against employment-related issues

Business Owners Policy (BOP) + Workers Compensation*

Instant quote »

All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation


When you have specific requirements

Including Business Interruption, Cyber Liability, etc.

Instant quote »


We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

We've Got You Covered with Coverage You Need

There are several types of insurance for gas stations that you may need to purchase. All gas stations benefit from general liability and commercial property insurance, while some may also need professional liability if they offer financial services like money orders or wire transfers.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Start your application and get a free quote in minutes.

Or call (646) 844-9933 anytime.

Get protected easily with CoverWallet

Frequently Asked Questions

Why do Gas Stations need Insurance?

These days it seems like you can find several gas stations with convenience stores at one intersection. It makes sense since the average American household owns approximately two vehicles and most travel daily.

Owning a gas station with a convenience store also means you face serious risks every day. Risks that can cause you to shut your doors if you don’t have the right gas station insurance to protect your assets. Insurance is easy to find if you know what risks you face and the types of coverage will protect you.

What are risks that Gas Stations with Convenience Stores have that cause them to need Insurance?

The types of risks gas stations have include:

  • Employee Theft & Crime: Gas station employees handle large amounts of sensitive data, cash and products during their shift. As much as you’d like to think they are trustworthy, many gas stations financially suffer when their employees steal these items or swipe customer credit card information.
  • Burglary & Break-Ins: About 8% of robberies occur at gas stations and convenience stores. When they occur, you not only lose your cash-on-hand, you also risk emotional and physical injuries to your employees.
  • Employee Injury: Convenience stores receive weekly shipments that need to be stocked. If employees don’t properly lift the boxes, they can injure themselves and hold you responsible.
  • Property Damage: Gas stations have more property to consider than just the building. You also have gas pumps, tanks, and in some cases car washes that can end up damaged by reckless drivers or vandals.
  • Slip and Falls: One of the most common risks is when patrons fall due to uneven pavement, wet floors, misplaced rugs, or even poor lighting.

How much does Gas Station Insurance cost?

Gas station and convenience store insurance prices vary depending on the carrier and your unique risks. If you’ve had prior claims, especially Worker’s Compensation, you can see significantly higher prices than a business with a clean claims history. Other factors include if you are open 24-hours, have security systems in place, and if you are a startup. The good news is you can request a quote below tailored to your gas station to review your options.

How can I reduce slip and falls in my gas station with convenience store?

Slip and fall claims are high risk because the floor is often wet, and slippery. However, you can reduce slip and fall claims by doing the following:

  • Learn from your mistakes if this has happened before, and look for that and other problem areas that are often wet. Use mats to help capture debris or absorb water in spots that are often wet.

  • Put a safety or wet floor sign to inform customers of a slippery area, but don't leave it too long or they will ignore the signs in the future. Put warning signs on stairs as well and make sure it is well lit.

  • Clean your floor regularly. Ususally sweep and mop before the store opens or at closing time, and spot-mop immediately when there's a spill on the floor. Remember to add signs.

  • Check on the aisles often to see spills and act quickly.

Do Gas Stations Need Pollution Liability?

Owning and operating a gas station can be an extremely profitable business venture, but you probably know that a gas spill or leak can be very damaging. Due to some oil and gas spills that have been highly publicized, even the smallest spills can have people concerned. If there is a spill at your gas station you will not only have to clean it up but deal with any accident or injury that may be a result of it. If you do not have Pollution Liability insurance for your business, one small gas spill can cause you to close up shop. This would be detrimental, even more so if the spill was not your fault.

Pollution Liability insurance will help your gas station cover the expenses related to a gas spill that may cause bodily injury or property damage and results in a lawsuit. One major reason to have Pollution Liability insurance is that it will pay for the cleanup expenses for on-site and off-site locations. Depending on the laws where you operate it is likely that you may be required to carry Pollution Liability insurance anyway, so be sure to check that out before you open your gas station.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

why coverwallet

Businesses Love CoverWallet

Our mission is to help small businesses to be better protected, informed and served. See what our customers are saying.

Testimonial John White

Personalized Service

5 stars service

John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

Testimonial Laura Campbell

Quick and Easy!

5 stars service

Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

Testimonial Anthony Williams

Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

We are making headlines!

Already insured?

No worries, keep your insurance, just get an account with us to manage your policies, certificates of insurance and more

Get CoverWallet »

Need help? Get free advice

Understand in 10 seconds what type of insurance your industry needs, and why

Insurance Assessment »

The Power Behind CoverWallet

Algorithms, Science, Magic
Customized, Intelligent Application
Endless Experience!

Algorithms, Science, Magic!

You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.

Customized, Intelligent Application

We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.

Endless Experience!

We are proud to be part of Aon, the leading global professional services firm providing advice and solutions in Risk, Retirement and Health. With us, you’re in good hands!

Are you ready to get down to business?

Start your application and get a free quote in minutes or call (646) 844-9933 anytime.