While you’re busy keeping everyone on the go, your business continues to face a variety of risks. Insurance can protect you in the case of a loss, but only a well-designed gas station insurance program will have all the elements you need to protect you from the unique risks gas stations are up against.
Whether your business is a standalone gas station, has a convenience store on-site, offers car washes, or is a full auto body shop, you need insurance that covers all the aspects of your business. These various business models can increase the amount of foot traffic you have on your property and affects the level of risk someone’s vehicle could be damaged. Your general liability and premises liability insurance policies should accurately reflect the operations of your business.
Gas stations handle a significant amount of cash on a daily basis, which makes them more likely than other businesses to be burglarized and robbed. It also means an unscrupulous employee has increased opportunity to steal. And because of the large number of credit cards used at gas stations, there’s also risk for cyber data breaches. Consider your options for crime, employee theft, and cyber liability insurance policies.
Someone could back into a fuel pump causing a leak. If someone drives off with the gas nozzle still in their car, it could create a huge, hazardous mess. One of your underground tanks could leak. You’ll have to pay for cleanup costs, defense costs if you’re sued, and damages awarded. Environmental or pollution liability insurance can provide funds to pay for these significant expenses.
Your business relies on customers coming to you for service. But what if they can’t get to you? If your location must close temporarily due to certain perils, business interruption insurance could help. Similarly, you can’t operate fully if your equipment breaks down. Costly repairs could have lasting repercussions. Having insurance in place to cover your high value machinery could help get you back up and running more quickly.
Your gas station insurance program wouldn’t be complete without a host of other coverages many businesses need. Workers’ compensation insurance can assist if an employee is injured on the job. Umbrella liability insurance can help pay for catastrophic losses that exceed the limits of your underlying policies. If you have a repair shop on site, you’ll need insurance for the property of others that is in your care, custody, and control. Business auto insurance is a must if any employees are driving for business purposes.
To discuss your gas station insurance needs and to learn more about how we can help, contact us today.
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