Gas Station + C-Store Insurance

Protecting Your Gas Station & Convenience Store With Complete, Reliable Coverage

Operating a gas station and convenience store is a tough, commercial business. You sit behind fuel pumps, process seamless transactions of thousands of customers and preserve essential goods around the clock. With such a large volume of customers and many other operational risks, appropriate insurance is not optional — it’s essential. We created our Gas Station + C-Store Insurance Program to provide the necessary coverage for owners who require extensive protection of their property, employees, inventory and operations.

Why Gas Stations and C-Stores Need Specialized Insurance

Gas stations and convenience stores face higher risks compared to standard retail businesses. From fuel-related hazards to slip-and-fall risks in the aisles, from employee injuries to customer property damage, the right insurance safeguards your business from financial loss.

Your insurance program covers common risks like:

Fuel spill liability
Theft and vandalism
Fire and equipment damage
Employee injuries

Business Owner’s Policy (BOP)

Your gas station and convenience store insurance plan starts with a Business Owner’s Policy. It combines essential protections—commercial property insurance, general liability insurance, and business interruption insurance—into one affordable package.

A BOP protects your property against fire, vandalism, storms, explosives and theft; it insures your building, pumps, canopies, inventory, refrigeration equipment up to 1000 sq. ft., signage and any point-of-sale systems at the gas station or C-store up to $25K. Business interruption coverage provides a safety net in the event your store is forced to close temporarily due to a covered loss where you will lose income and need to pay ongoing expenses. A BOP gives you, almost instant, peace of mind that your business is financially able to weather the storm, even with unexpected disruptions.

Workers’ Compensation

In gas stations and convenience stores, your employees are constantly at risk with heavy lifting, wet floors, hot food equipment or long hours at the pump or fuel registers—making Workers’ Compensation an absolute necessity. If an employee is injured at work, Workers’ Comp covers medical treatment, lost wages, rehabilitation and disability benefits.

A robust Workers’ Compensation policy helps protect your employees and your business from workplace injury litigation. It helps you adhere to state laws and show your commitment to employee safety. By having a well-suited policy in place, you can be at ease — your team is covered and your business has protection against expensive claims.

General Liability Insurance

General Liability Insurance — This type of coverage protects your business from claims of bodily injury, property damage, or personal injury to customers or visitors. For liability coverage, the importance is in a gas station or convenience store setting where foot traffic never ceases and an obstinate accident can happen at any hour.

If a customer slips on a spill, is hurt at the pump or claims damage to their own vehicle or belongings — General Liability pays for the related legal and medical expenses. It also covers you against ads injury claims, as well as civil libel and slander lawsuits. Having general liability insurance protects your reputation and finances while ensuring the long-term viability of your business.

Insurance Services Provide By Convenience Store Insurance

Workers’ Compensation Insurance

Workers’ Compensation Insurance protects your baristas, servers, and kitchen staff if they are injured while working.

Commercial Property Insurance

Commercial Property Insurance covers the physical assets of your coffee shop — including furniture, coffee machines, refrigerators, décor, and inventory

Business Owner’s Policy (BOP)

A Business Owner’s Policy combines General Liability and Property Insurance into one affordable package tailored for coffee shops.

General Liability Insurance

General Liability Insurance protects your café from costly claims involving customer injuries, spilled drinks, or accidental property damage

Cyber Liability Insurance

Cyber Liability Insurance shields your coffee shop from digital threats like data breaches, hacked POS systems, or stolen customer payment information.