Specialty insurance · Gas stations · 48 states
Pollution, storage tank, liquor, property, and general liability — placed by a Wexford agency that quotes the petroleum class daily. Your station, your c-store, and your truck-stop operation underwritten by carriers with specific appetite for the fuel-dispensing risk.
Stations we insure
Three station archetypes drive the bulk of what we place. Each carries a different appetite footprint — branded fuel supply, c-store sales mix, truck-stop facilities — and we route each submission to the carriers most likely to take it.
Fuel-dispensing operations with branded or unbranded supply. Canopy and dispenser property, pollution and storage tank liability, and the carrier appetite for petroleum occupancy.
Learn more →C-store inventory and business personal property, slip-and-fall exposure on the forecourt, tobacco and lottery sales, liquor liability where alcohol is sold, and the cash-handling and crime coverage high-traffic retail demands.
Learn more →High-volume travel centers — diesel dispensing, larger fuel volumes, shower and restaurant facilities, scales, mechanic services, and the driver-injury exposure that distinguishes truck-stop underwriting.
Learn more →Coverage we place
Petroleum operators carry a stacked program — no single carrier writes all of it on one form. We assemble the package across specialty markets and place each line into the carrier with the right appetite for your configuration.
Customer bodily injury and third-party property damage at the station — slip-and-fall, dispenser-area incidents, c-store premises liability — plus tobacco and lottery exposures endorsed onto the same form.
Learn more →Station structure, canopy, dispensers, c-store building, signage, business personal property, business income during a covered shutdown, and equipment breakdown on fuel-dispensing, refrigeration, and POS systems.
Learn more →Third-party bodily injury, property damage, and cleanup costs from petroleum releases at the station — spill events, drive-off contamination, and gradual seepage.
Learn more →Underground and aboveground storage tank coverage for sudden and gradual petroleum releases, corrective action, and EPA financial responsibility compliance.
Learn more →Third-party bodily injury and property damage arising from the sale or service of alcohol at c-stores — required by most states for any location selling beer, wine, or spirits.
Learn more →Owned, hired, and non-owned vehicle coverage for fuel-haul operations, c-store delivery vehicles, and employee-driven errand exposure.
Learn more →Statutory workers comp for c-store clerks, fuel-attendant employees, and station maintenance staff — rated to gas station class codes.
Learn more →Employee theft, money and securities loss, robbery, and inside-the-premises theft coverage for high-cash-handling station operations.
Learn more →Data breach, payment-card compromise, ransomware, and business interruption from cyber events affecting your point-of-sale and fuel-dispenser payment systems.
Learn more →Higher limits over primary general liability, commercial auto, and employer’s liability — standard on multi-pump, high-traffic, or c-store-with-liquor operations.
Learn more →From the blog
Specific, sourced answers to the questions station owners actually ask — UST compliance, pollution coverage mechanics, EPA financial responsibility, branded vs. unbranded margins, and the cost lines you cannot skip.
A full cost breakdown — site acquisition, tank install, canopy and dispenser equipment, environmental site assessment, branded supply commitments, and the line items most first-time buyers miss.
Read the guide → Coverage ExplainedWhat the policy responds to (spill events, drive-off contamination, gradual seepage), the typical limits the EPA financial responsibility rule expects, and how the form interacts with storage tank liability.
Read the guide → Owner ResourcesHow tank owners demonstrate the ability to pay for corrective action and third-party claims — insurance, trust funds, surety bonds, and the state-specific mechanisms layered on top of the federal rule.
Read the guide →States we serve
Licensed in 48 U.S. states. The 12 states below — where gas station count, UST regulation, and pollution risk are most distinct — get our deepest content first. The rest are written off the same carrier panel.
FAQ
Most stations carry a stacked program: general liability, property (including the canopy and dispensers), commercial auto for any owned vehicles, workers compensation for c-store and station staff, pollution and storage tank liability for petroleum releases, crime coverage for cash handling, and an umbrella sitting over the primary lines. C-stores selling alcohol add liquor liability. The exact mix depends on whether you own or lease the tanks, whether you sell beer or wine, and whether you operate a truck-stop scale or restaurant.
Standard BOP carriers exclude or sub-limit petroleum occupancy. Fuel-dispensing, underground tanks, and the canopy structure trigger appetite restrictions that send the risk into the specialty market. Even when a BOP form is technically written for a c-store, the policy typically excludes pollution events and storage tank liability — the two coverages that drive the largest losses on stations.
The federal EPA financial responsibility rule requires owners of underground storage tanks to demonstrate the ability to pay for corrective action and third-party claims arising from petroleum releases — most owners satisfy this through pollution liability and storage tank liability coverage. Several states impose their own UST trust fund or insurance requirements that layer on top of the federal rule.
Storage tank liability is the EPA-recognized coverage form that responds to releases from underground or aboveground storage tanks — the most common UST financial-responsibility mechanism. Pollution liability is the broader form that covers releases from the site that are not strictly tied to the tank itself, including dispenser-area spills, drive-off contamination, and gradual seepage from piping. Most stations carry both.
In most states, yes. Liquor liability responds to third-party bodily injury or property damage arising from the sale or service of alcohol — a standard general liability form excludes it. State dram-shop statutes vary: some impose strict liability on sellers, others require negligence. Either way, a c-store with off-premises beer or wine sales has the exposure.
We focus on petroleum-occupancy and c-store risks. We work a 20-carrier specialty panel for the class, we quote gas stations daily, and we know which carriers will take a specific UST configuration, a specific deductible structure, or a specific claims history. A generic agent placing one or two gas stations a year does not build that pattern recognition.
All 48 states except Hawaii and Alaska. Tier 1 markets where we have the deepest carrier appetite include Texas, California, Florida, New York, Pennsylvania, Ohio, Illinois, Georgia, North Carolina, Michigan, Virginia, and Tennessee.
One to two hours during business hours for a complete submission. A complete submission means current loss runs, tank registration data, fuel volume, c-store sales mix, and any existing pollution or storage tank policy declarations. Incomplete submissions take longer because we have to go back for the missing items.
Who we are and how we help
Gas Station Guard Insurance is a brand of Wexford Insurance, LLC — an independent specialty agency focused on the petroleum and convenience-store risk. We write your station, your c-store, and your truck-stop operation across 48 states through carriers with specific appetite for the class:
West Bend Insurance, Liberty Mutual Insurance, Secura Insurance, Crum & Forster Insurance, Amerisafe Insurance, ICW Group, Berkley Net Industrial, Grand River Insurance, Nautilus Insurance, Penn-America Insurance, Encova Insurance, Biberk Insurance, and Three Insurance.
That panel is reviewed quarterly and adjusted when a carrier's appetite shifts. Appetite at the petroleum class moves faster than most general-property classes, and the panel reflects that movement rather than a fixed list reprinted year after year.
"I built Wexford around a single idea: a gas station owner deserves an agent who has read the same UST regulations, the same pollution exclusions, and the same liquor liability forms they have. Generic commercial agents place one gas station a year. We place them every week — into the carriers that actually want the class."
Wexford Insurance, LLC operates under National Producer Number 19887690. The license is independently verifiable at the National Insurance Producer Registry.
Quotes in 1–2 hours during business hours from a 20-carrier specialty panel that quotes the class daily.