Coverage built for what's under the ground, not just above it
A slow leak from an aging underground tank can trigger a cleanup order costing far more than the station itself. We connect you with specialists in pollution liability and fuel-retail coverage.
What EPA & state fuel regulations require
We make sure your coverage meets the bar — and issue the certificates and filings you need to prove it.
- Pollution liability — covers cleanup and third-party claims from a fuel leak or underground storage tank releaseRequired
- Financial responsibility for USTs is a federal EPA requirement, most often satisfied through pollution liability insuranceRequired
- General liability and property coverage sized for a fuel-handling, cash-heavy retail environmentRequired
Licensed Gas Station Specialists Nationwide
A specialist who knows your state's licensing rules and can issue the certificates and filings you need.
What gas stations need to be covered
Running a gas station means carrying regulatory and environmental exposure that a typical retail policy was never built for. The EPA requires operators to demonstrate financial responsibility for underground storage tanks, and a leak that goes undetected for months can mean a cleanup bill far larger than the fuel sold that year. The right program addresses both the environmental exposure below the pavement and the retail risk above it.
Pollution & Environmental Liability
Covers cleanup costs, third-party bodily injury, and property damage from fuel leaks, spills, and underground storage tank releases.
General Liability
Covers third-party bodily injury, property damage, and advertising injury claims — the foundational policy nearly every business carries.
Commercial Property
Protects your building, inventory, equipment, and furnishings against fire, theft, storms, and other covered losses.
Workers' Compensation
Pays medical bills and lost wages when an employee is injured on the job. Required in most states once you have employees.
Commercial Umbrella
Extends the limits of your underlying liability policies for large claims that could otherwise threaten the business.
Where gas stations get exposed
These are the scenarios our specialists see most often in your industry — and the coverage that responds when they happen.
Protect against these risksUnderground storage tank leaks
A slow release from an aging tank or line can contaminate soil and groundwater long before it's detected. Pollution liability covers cleanup costs and third-party claims that standard property insurance excludes entirely.
Fuel dispenser fires and spills
A drive-off, a static spark, or an overfill at the pump can ignite in seconds. Commercial property and general liability respond to the resulting damage and any third-party injury.
Robbery and workplace violence
Cash handling and late-night hours make fuel and convenience retail a target for robbery. General liability and workers' comp address resulting injury claims from staff and customers.
Regulatory financial-responsibility gaps
Falling out of compliance with EPA/state financial-responsibility requirements for your USTs can mean losing your operating permit, independent of whether a leak has actually occurred.
Why gas stations can't skip coverage
- Federal EPA rules require underground storage tank operators to demonstrate financial responsibility for cleanup costs — pollution liability insurance is the standard way most independent operators satisfy this.
- A tank or line leak can remain undetected for a long time, meaning the eventual cleanup and liability bill often has no relationship to how the incident happened — coverage matters regardless of fault.
- State fire marshal and environmental agencies routinely require proof of coverage to renew a fuel-dispensing operating permit.
By the numbers
583K+
Confirmed U.S. UST petroleum releases
542K+
Active USTs nationwide (EPA)
45+
Specialists in our network
Gas Stations insurance FAQ
No — standard commercial property policies almost universally exclude pollution and contamination losses. Pollution liability is a separate, purpose-built policy for exactly this exposure.
Get matched with a gas station specialist
Share a few details and a licensed agent who understands gas stations will reach out with tailored options. No cost, no obligation.
- Takes about 2 minutes
- One specialist, start to finish
- We compare multiple A-rated carriers
- Licensed to serve clients in your state