The Hartford doesn’t offer gas station insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Gas Station Insurance?
Gas station insurance is another name for small business insurance. It’s a package of different types of business insurance coverages designed to help protect you from the risks you might face as you operate your station. A gas station insurance package can include these common types of coverages:
- Business Owner’s Policy (BOP)
- Workers’ compensation insurance
- Commercial property insurance
- Cyber insurance
Why Might You Need Gas Station Insurance?
Gas station insurance is a collection of coverages designed to help protect your business when things don’t go according to plan. Maybe a customer slips near a pump, and suddenly you're dealing with a legal claim. Or a delivery truck clips your canopy, and you need to make repairs to get the lane back open. Even a fryer flare-up in the back kitchen or a system outage at the register can bring your whole day to a halt.
Gas station insurance can help protect your business from many potential risks, like:
- Property damage: A driver hits a fuel pump, damaging equipment and causing you to lose business during repairs.
- Business interruption: A severe storm causes flooding on your premises, forcing you to close your doors for cleanup.
- Theft or vandalism: Someone vandalizes your station after hours, leading to thousands of dollars in repair costs.
Who May Need Gas Station Insurance?
Many types of businesses can benefit from having gas station insurance solutions, such as:
- Independent gas station owners
- Gas stations with convenience stores
- Truck stops
- Repair shops with gas stations
- Grocery stores with gas stations
What Gas Station Insurance Coverages Might I Need?
When it comes to protecting your gas station, you’ll want protection that matches your potential risks. Many gas station owners have a Business Owner’s Policy (BOP) because of the peace of mind it can provide.
A BOP combines three types of coverage to help protect you from common risks that can come up during normal operations:
General liability insurance helps protect your gas station from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented building you operate your gas station from, as well as the tools, equipment, inventory and supplies you rely on. These can include your:
- Fuel dispensers
- Underground storage tanks
- Canopy
- Signage
- Refrigerators
Business income insurance helps replace lost income if you can’t operate your gas station temporarily because of covered property damage caused by fire, theft, wind or vandalism.
It’s important to know that a BOP won’t cover every type of claim you might face. You’ll need to get other types of coverage to create a well-rounded insurance plan for your gas station, including:
Commercial auto insurance to help cover claims of bodily injury or property damage from a car accident your business causes while you or an employee uses a company-owned vehicle for work.
How Much Does Gas Station Insurance Cost?
Although The Hartford doesn’t offer coverage for gas stations, here are the average costs our small business owners pay for common types of coverage. You can use these amounts to help estimate your insurance costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of gas station insurance varies because every business has unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific gas station insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A customer tripped and fell in our parking lot. They sued us, saying we didn’t have proper lighting at night.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Pollution Liability Insurance
“Our tanks were overfilled and the cleanup was expensive.”
Gas stations handle hazardous materials. Pollution liability insurance coverage helps pay for environmental cleanup and third-party claims if there’s a fuel leak or other contamination incident involving underground storage tanks or fuel spills.
Workers’ Compensation Insurance
“An employee was doing a quick check around the pumps when he tripped over a fuel hose and hit his head. It turned out to be a minor concussion, but he needed a few days to rest and recover.”
Workers’ compensation insurance ggives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Cyber Insurance
“My manager fell for a phishing scam, and we realized our point-of-sale system was hacked. We had customer payment information stored on it and it was now stolen.”
Cyber insurance can help your business respond to a breach if personally identifiable information (PII) gets lost or stolen.
Commercial Property Insurance
“A fire broke out in the back of our gas station, and it spread throughout the building. It destroyed our entire inventory.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Commercial Auto Insurance
“Our manager got into an accident while picking up supplies with the company car.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.
Get a Quote for Gas Station Insurance Options
Fill up on coverage that works as hard as you do. Get a quote through Tivly today.
Last Updated: April 28, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed April 2026.
3 U.S. Bureau of Labor Statistics, "Employer-Reported Workplace Injuries and Illnesses in 2023,” viewed April 2026.
4 National Fire Prevention Association, “Fire Loss in the United State,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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