Gas Station Insurance: Cost & Cheap Quotes From $11

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Updated: March 27, 2025 . 7 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.

 

If you run a small gas station, then it’s often a good idea to get cheap business insurance that will keep you protected in case anything ever goes wrong. 

In fact, some states require you to carry specific forms of insurance coverage at the very least before starting a gas station business.  This article guide features all about gas station insurance, the premium cost and the available insurance policies.

General Liability Insurance for Gas Stations

General liability insurance is one of the most common forms of insurance for businesses like gas stations. The function of this inclusion in gas station insurance coverage is to cover bodily injury and property damage claims. 

There’s an optional policy called advertising injury coverage. Advertising injury coverage will protect your business if third parties decide to file a claim for:

  • Copyright infringement 
  • Reputational harm

 General liability insurance is also useful if you’re renting or leasing a commercial space.  Gas stations don’t need to follow state-mandated requirements that determine how much general liability insurance is needed. 

But still, bodily injury claims and property damage claims can scale between $10,000 – $500,000 or more. However, if you want the most comprehensive shield against property damage and personal injuries, get $2 million general liability insurance coverage.

CoverWallet NEXT (Best) GEICO
Per occurrence limit $1,000,000 $1,000,000 $500,000
Aggregate limit $2,000,000 $1,000,000/$2,000,000 $1,000,000
Products and completed operations aggregate limit $2,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit $1,000,000 $1,000,000 $500,000
Tenant’s legal liability coverage limit $100,000 $100,000 $300,000
Waiver of subrogation included? Yes No No
Hired/non-owned auto liability coverage included? Yes No No
Equipment breakdown floater included? No Yes Yes
Can you get a certificate of insurance online? Yes Yes Yes
Name additional insureds? Yes Yes Yes

 

Commercial Property Insurance for Gas Stations

Commercial property insurance will help reconstruct your gas station if it gets destroyed by fire or extreme weather.

 This insurance will also pay for reconstruction costs if your gas station is only damaged by fire, extreme weather, vandalism, theft, and other covered perils.

 Your gas station has pumps and other specialized tools and equipment customers can use. Commercial property insurance takes care of those through its business equipment and tools coverage. 

CoverWallet NEXT (Best) GEICO
Building coverage limit (minimum) $50,000 $360,000 $25,000
Contents coverage limit (minimum) $50,000 $25,000 $25,000
Outdoor signs Excluded $2,500 Included
Accounts receivable Excluded Excluded Included
Money and securities Excluded $2,500 $1,000
Lock and keys Excluded $2,500 Excluded
Business interruption floater Excluded Included Included
Equipment breakdown floater Excluded Included Excluded
Inland marine insurance floater Excluded Excluded $10,000
Employee dishonesty floater Excluded $5,000 $2,500

Gas Station Business Owner’s Policy

If you’re planning to get commercial property insurance and general liability insurance for your gas station, we suggest you purchase a business owner’s policy to save on premiums.

 A business owner’s policy is basically a fusion of general liability insurance and commercial property insurance. It’s way cheaper than if you decided to buy commercial property and general liability separately.  

CoverWallet NEXT (Best) GEICO
General liability aggregate limit $2,000,000 $1,000,000/$2,000,00 $1,000,000
Commercial property coverage limit $50,000 $360,000 $25,000
Optional policies can be added? Yes Yes Yes
Name additional insureds for free? Yes Yes Yes
BOP discount? Yes Yes Yes

 

Employer’s Liability Insurance for Gas Stations

Gas station employer’s liability insurance will protect you if an employee decides to sue your gas station after experiencing a work-related injury.

 In practice, this will pay for defense costs and compensatory payments. Employer’s liability insurance is an inclusion in workers’ compensation insurance or can be sold as a stand-alone policy.

Employment practices liability insurance, which also covers defense costs and compensatory payments on your behalf.

 

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Workers’ Compensation Insurance for Gas Stations

Workplace accidents can happen in gas stations. Your employees might experience a slip and fall accident.

As the name suggests, this kind of insurance exists to cover employees in case they end up getting injured or sick because of a job-related activity. There are several things that workers’ comp will do for you. The bullet below outlines how workers compensation insurance works :

  • Workers compensation insurance will cover medical treatments/procedures, hospitalization, rehab, and medication.
  • sick employee Lost income compensation equal to two-thirds or 67% of the average weekly wage.
  • If the employee dies because of his or her work-related sickness/injury, workers’ compensation insurance will provide death benefits to the children.

 

 Commercial Auto Insurance for Gas Stations

 So how does commercial auto insurance help? This insurance offers the following protection for your gas station:

  • Auto liability coverage – If your gas station’s commercial vehicle caused an accident, auto liability coverage will pay for the medical expenses of the injured parties and will also reimburse the losses of individuals who had their property damaged. 
  • Physical damage coverage – If your gas station’s commercial vehicle incurred damage because it collided with a vehicle or object, collision physical damage coverage will pay for parts repair or replacement. 
  • Comprehensive physical damage coverage will take care of parts repair or replacement if fire, theft, vandalism, hail, wind, storm, other acts of nature, or other covered perils damaged your gas station’s commercial vehicle

 

Gas Station Insurance Cost

The average gas station insurance cost is $100 per month or $1,200 per year for general liability insurance offering $1 million in coverage.

Petrol station insurance cost can vary dramatically based on a wide range of factors;

  •  The safety history of your gas station
  • A poor record
  • No. of employees
  • The size of your gas station
Cost per Month Cost per Year Deductible
General liability insurance $100 $1,200 $0-$500
Commercial property insurance $150 $1,800 $1,000-$2,500
Business owner’s policy $200 $2,400 $500-$1,000
Commercial auto insurance $105 $1,260 $1,000-$1,500
Workers compensation insurance $125 $1,500 $2,000-$5,000

Rank and Review Insurance Companies

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 Best Gas Station Insurance Companies

NEXT

NEXT offers gas station insurance in partnership with Tivyl. That said, this company will refer you to a Tivly representative who will then give you  a quote. Policies you can purchase are general liability, commercial property, business owner’s policy, and more. 

Average cost: $50 per month

Our rating: 10/10

Pros

  • Best overall
  • Get an online proof of insurance and send as a text message, email, or social media post
  • Fastest general liability insurance for gas stations
  • Great customer service and reputation
  • Issues an online proof of insurance instantly
  • Outstanding value for money
  • Bundle two or more insurance policies and get a 10% discount

Cons

  • Couldn’t find any 

CoverWallet  

CoverWallet insurance for gas stations has four options;general liability only , general liability and commercial property insurance, business owner’s policy with workers compensation insurance, and a custom plan. 

CoverWallet is ready to give you the quotes of all gas station insurance companies so that you can research options. 

Average cost: $62.5 per month

Our rating: 10/10

Pros

  • Cancel a policy anytime
  • General liability insurance for gas station includes products and completed operations coverage
  • Compare quotes using CoverWallet’s online quotes comparison platform

Cons

  • Not an insurance company but a broker selling the quotes of partners

 

Compare Cheap Gas Station Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Tivly 

Tivly offers insurance for high risk and low risk gas stations. Policies you can get from this company are general liability, commercial property, business owner’s policy, and others. 

Average cost: $50 per month

Our rating: 10/10

Pros

  • Responsive customer service
  • Compare gas station insurance quotes over the phone
  • A partner of many reputable insurance companies

Cons

 

Geico  

It offers a range of policies that would work well for gas station owners, including business owner policies, commercial auto,and individual liability policies. 

Along with general liability coverage and business owner policies, Geico also offers workers’ comp coverage in case your employees have any accidents or even if they end up falling ill. 

Average cost: $70 per month

Our rating: 9/10

Pros

  • Cheap commercial auto insurance rates for gas stations
  • High customer ratings

Cons

  • Local agents are very few

 

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

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