Gas Station Insurance
Greenwood General gives retail agents and brokers access to wholesale gas station insurance markets — general liability, commercial property, package, liquor liability, and excess liability for eligible gas stations, convenience stores, and fuel retailers. Same-day quotes may be available for select risks under $1.5M TIV, subject to underwriting.
Gas Station Insurance Program
As a wholesale commercial insurance MGA, Greenwood General gives retail agents and brokers access to gas station insurance and convenience store insurance markets for qualifying fuel retailers, service stations, and related auto service exposures. The program supports both self-service and full-service operations, with gas station general liability, gas station property insurance, commercial package, liquor liability, excess liability, and coverage for pumps, canopies, and signs. Explore all of our wholesale commercial insurance markets.
Available Coverages
Build a coverage structure around the premises, fuel operations, retail sales, auto service, and property exposures of the account — such as monoline general liability, monoline commercial property, or a combined commercial package.
Gas station general liability for eligible fuel retail and convenience store operations.
Gas station property insurance for eligible buildings and related property exposures.
Eligible risks may qualify for a commercial package that combines commercial property and general liability, with additional optional coverages added based on operations.
Program Highlights
The program combines straightforward minimum premiums, fast quoting for smaller property schedules, and multiple optional coverages for qualifying gas station accounts, subject to underwriting.
Submission Requirements
Complete submissions help underwriting evaluate gallons sold, fuel operations, convenience store sales, auto service exposures, liquor sales, car wash operations, property values, property condition, and loss history.
Built for Brokers
Submit a complete gas station or convenience store account for access to general liability, commercial property, package, liquor liability, and excess liability solutions for qualifying fuel retail operations — or contact our underwriting team with questions on eligibility.
Why Greenwood
Dedicated commercial underwriting with clear submission guidance for gas station, convenience store, and fuel retailer accounts.
Same-day quotes may be available for eligible smaller risks under $1.5M TIV with a complete submission.
Property, general liability, package, liquor liability, and excess liability options for qualifying fuel retailers.
Markets for operations with or without auto service, and brokers may submit a risk before completing an appointment.
Gas Station Insurance FAQ
Eligible classes may include self-service and full-service gas stations, gas stations with convenience stores, and locations with or without auto service, including qualifying car wash exposures, subject to underwriting review.
Yes. Markets may be available for qualifying gas stations both with and without auto service, and auto repair operations may be considered, subject to underwriting review.
Yes. Car wash exposures may be considered as part of an eligible gas station or convenience store account, subject to underwriting.
Both. Coverage can be structured as monoline general liability, monoline commercial property, or a combined commercial package with optional coverages, depending on operations and subject to underwriting.
Yes. Commercial property may be written monoline or as part of a package, with property capacity up to $5M TIV for eligible risks, subject to underwriting.
Eligible property coverage may include the building, pumps, canopies, signs, and qualifying car wash property exposures. Final coverage is subject to underwriting approval and policy terms.
Liquor Liability may be available for qualifying convenience store operations that sell alcoholic beverages, subject to sales mix and underwriting review.
General liability minimum premiums start at $750 and commercial package minimum premiums start at $1,500. Final pricing depends on operations, sales, property values, and underwriting.
Same-day quotes may be available for eligible gas station and convenience store risks with total insurable value under $1.5M when a complete submission is provided, subject to underwriting.
A complete submission typically includes the ACORD applications, a gas station supplemental with gallons sold and operations, currently valued loss runs, property details for pumps, canopies, and signs, and liquor sales information when Liquor Liability is requested.
Greenwood General is licensed in 47 states. We currently do not write business in Florida, Georgia, or New York. Gas station eligibility still varies by carrier, class, operations, fuel and liquor sales, property condition, loss history, and underwriting guidelines — confirm eligibility with your underwriter.
