Gas station insurance
Fuel, a canopy, and a convenience store are not a generic shopkeepers file. Having a policy is not the same as having the right coverage.
Jupiter Coverage is an independent agency based in Jupiter, Florida. We write gas station and convenience-store accounts the same way we handle other commercial work: start with how the site operates, then look at what a policy would actually do after a claim.
Florida stations usually need more than one form. General liability, property, workers’ compensation, and — where tanks are involved — environmental or storage-tank coverage are the usual starting points, whether the site is in Jupiter, Miami, Tampa, or elsewhere in the state. A beer and wine license, a car wash, repair bays, or 24-hour hours change the file. This page is an overview, not a binder of insurance.
Pumps, a lot, and a store aisle are why general liability comes up first. It is meant to respond when someone alleges the station caused injury or damage — a slip, a claim involving a pump island, or an incident inside the store. Limits and additional insureds should match the lease and any fuel-brand or jobber agreement.
Station property is the building, canopy, pumps, coolers, and convenience-store stock. In Florida, wind and hurricane deductibles are often a percentage of the building or contents value, not a flat dollar amount. Outdoor property and the canopy should be scheduled the way they actually sit on the lot.
Underground storage tanks are their own discussion. A general liability or property policy often does not cover a release from a tank. We review what tanks you have, how they are registered, and whether a storage-tank or pollution form belongs on the proposal. We do not add those by default or promise a market.
Cashiers, lot work, and late hours belong on the application as they actually staff. Florida generally requires workers’ compensation when you have employees. The coverage is meant to help with medical costs and lost wages after a work injury.
Beer and wine, a car wash, repair or lube bays, towing, propane exchange, and 24-hour hours are not footnotes. They change liability, liquor, auto, and sometimes property. Tell us what is sold and what happens on the lot, and we will tell you which of those belong on the proposal.
Some stations also need to talk through crime, liquor liability if alcohol is sold, hired and non-owned auto, or employment practices. Those sit with the rest of the commercial coverage we review.
A Florida station has the same core lines as a station anywhere, plus a few state facts that should be said in plain language:
We shop markets and explain what a form will and will not do. We do not quote a price on this page, bind coverage online, or promise a carrier.
The principals are licensed in New York. We work New York gas station and convenience-store accounts from the Jupiter, Florida office. New York is a licensed service area, not a second location — there is no New York storefront.
If you want the station file reviewed — a new site, a renewal, or a policy you already have — call (561) 529-4949. Bring the lease, tank notes, payroll, and what is sold on the lot. The one office is in Jupiter; we follow up from Jupiter Coverage.
