Gas station and convenience store insurance for Texas owners.
The store, canopy, tanks, beer sales and cash, reviewed as one operation. We quote property, liability, tank pollution and crime together, so you see the full picture.
Prefer to talk? Call (713) 367-1706
In Short
What insurance does a Texas gas station or convenience store need?
A Texas gas station or convenience store typically needs property coverage for the store, canopy, pumps and signs; general liability; storage tank pollution liability to meet federal and TCEQ financial-responsibility rules; liquor liability if it sells beer or wine; crime coverage for cash and lottery funds; and spoilage and equipment breakdown for coolers.
Read the complete gas station or convenience store insurance guide
General information, not a promise of coverage.
Risks & Coverage
What can go wrong at a Texas gas station or convenience store, and the coverage to consider.
- 01
Underground Storage Tanks
Federal and Texas (TCEQ) rules require most tank owners to prove financial responsibility for leak cleanup and third-party damage. A standard property or liability policy won't cover it; a storage-tank pollution policy is designed to.
Coverage to ConsiderStorage tank pollution liability
- 02
Canopy & Sign Damage
Canopies catch wind and hail first. They need to be scheduled with correct values, and freestanding price signs need their own limit.
Coverage to ConsiderCanopy, pumps and signs scheduled at replacement cost
- 03
Robbery & Employee Theft
Cash, lottery funds and inventory are targets. Crime coverage can cover money and stock, inside and outside the store.
Coverage to ConsiderCrime: money, securities, lottery funds, robbery and employee theft
- 04
Beer & Wine Sales
Texas law can hold a seller liable for alcohol sold to someone who then causes harm. General liability policies exclude this for businesses that sell alcohol; liquor liability is written for this exposure.
Coverage to ConsiderLiquor liability
- 05
Cooler & Freezer Failure
A power outage or compressor failure can spoil a full walk-in overnight. Spoilage and equipment breakdown coverage can pay for it, subject to the policy.
Coverage to ConsiderSpoilage and equipment breakdown
Typical Coverage
What a Texas gas station or convenience store usually carries.
- 01
Storage Tank Pollution Liability
Cleanup costs and third-party claims from tank or line leaks — written to meet federal and TCEQ financial-responsibility rules.
- 02
Building, Canopy & Equipment
The store, canopy, pumps, dispensers and signs at replacement cost.
- 03
Business Personal Property & Stock
Inventory, coolers, POS systems, fixtures and fuel in the tanks.
- 04
General Liability
Customer injuries at the pumps, in the lot and inside the store.
- 05
Liquor Liability
Required when you sell beer and wine, and often requested by landlords.
- 06
Crime
Money, securities, lottery funds, robbery and employee theft.
- 07
Spoilage & Equipment Breakdown
Refrigerated stock and the compressors that keep it cold.
- 08
Workers' Compensation
Employee injuries. Optional for most Texas employers; leases and contracts often require it.
Not Needed to Start
What to have ready.
Carriers price what they can see, so a complete submission helps them quote with confidence. Missing something? Send what you have.
- Number of tanks, their age, construction and leak-detection method
- Fuel gallons and inside sales per year
- Beer & wine sales, and whether you hold a TABC permit
- Hours of operation (24-hour stores rate differently)
- Cameras, safes, drop safes and alarm details
- Canopy size and price sign values
- Five years of loss runs
Questions
Gas Stations & C-Stores: common questions.
Do I need pollution insurance for my tanks?
In most cases yes. Owners and operators of petroleum underground storage tanks must show financial responsibility for leaks, and a storage-tank pollution liability policy is the common way to meet that requirement. It's separate from your property and liability policies.
I lease the store — what do I need?
Tenants usually insure their own stock, equipment, liability, liquor liability and crime, and the lease may require more. We read the lease and quote exactly what it requires, plus what protects you.
Can you insure a store with past claims?
Usually, yes. We work with standard carriers and specialty (surplus lines) markets, and we explain the claims history and the fixes you made so underwriters price the store as it is today.
Ready When You Are
Your quote starts here.
About two minutes. A person reads every request.
Guides for Gas Stations & C-Stores