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Gas Station Insurance for Convenience Stores | Greenwood General
Gas Station Insurance

Coverage built for gas station risks

Give your clients access to General Liability, Commercial Property, Package, Liquor Liability, and Excess Liability solutions for eligible gas stations and convenience stores. Same-day quotes may be available for select risks under $1.5M TIV.

Gas Station Insurance Program

Insurance solutions for gas stations and convenience stores

Greenwood General gives retail brokers access to markets for qualifying gas stations, convenience stores, fuel retailers, and related auto service exposures. The program can support both self-service and full-service operations, with optional coverage for liquor liability, excess liability, commercial property, pumps, canopies, and signs. Explore all of our wholesale commercial insurance markets.

Target gas station classes

A focused appetite for common fuel retail and convenience store operations, including locations with related car wash and auto service exposures.

  • Self-service gas stations
  • Full-service gas stations
  • Gas stations with convenience stores
  • Gas stations with auto service
  • Gas stations without auto service
  • Car wash exposures considered
Available Coverages

Coverage options for gas station accounts

Build a coverage structure around the premises, fuel operations, retail sales, auto service, and property exposures of the account.

General liability

Liability protection for eligible gas station and convenience store operations.

  • Minimum premium starting at $750
  • Rated on the number of gallons sold
  • Self-service and full-service operations accepted
  • Risks with or without auto service may be considered

Commercial property

Property coverage for eligible buildings and related gas station property exposures.

  • Property capacity up to $5M TIV
  • Same-day quotes may be available under $1.5M TIV
  • Pumps, canopies, and signs may be included
  • Car wash property exposures may be considered

Optional coverages

Additional coverage options may be available to help complete the placement.

  • Liquor Liability
  • Excess Liability
  • Commercial Package coverage
  • Property coverage for eligible pumps, canopy, and signs
Program Highlights

Built for fuel retailers and convenience stores

The program combines straightforward minimum premiums, fast quoting for smaller property schedules, and multiple optional coverages for qualifying gas station accounts.

Broad operational appetite

  • Self-service and full-service gas stations accepted
  • Risks with or without auto service considered
  • Car wash exposures may be included
  • Convenience store operations supported

Flexible coverage options

  • General Liability minimum premium starting at $750
  • Package minimum premium starting at $1,500
  • Same-day quotes for select risks under $1.5M TIV
  • Property capacity available up to $5M TIV
Submission Requirements

What to submit for a gas station insurance quote

Complete submissions help underwriting evaluate gallons sold, fuel operations, convenience store sales, auto service exposures, liquor sales, car wash operations, and property details.

Recommended submission documents

  • ACORD 125 — Commercial insurance application
  • ACORD 126 — Commercial General Liability section
  • ACORD 140 — Commercial Property section, when requested
  • Gas station supplemental — Gallons sold, operations, pumps, canopy, signs, and auto service details
  • Loss runs — Currently valued loss history
  • Liquor information — Sales and operations details when Liquor Liability is requested
A gas station and convenience store, representing the fuel retail accounts Greenwood General helps brokers place
Built for Brokers

Quote gas station risks for coverage
that goes beyond the pump

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.

Gas Station Insurance FAQ

Frequently asked questions

Are same-day gas station insurance quotes available?

Same-day quotes may be available for eligible gas station and convenience store risks with total insurable values under $1.5M when a complete submission is provided.

Are risks with auto service eligible?

Yes. Markets may be available for qualifying gas stations both with and without auto service, subject to underwriting review.

Can a car wash be included?

Yes. Car wash exposures may be considered as part of an eligible gas station or convenience store account.

What property can be included?

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.

Is Liquor Liability available?

Liquor Liability may be available for qualifying convenience store operations that sell alcoholic beverages, subject to sales mix and underwriting review.