As the owner of a fuel filling station, insurance is essential for protecting you against the unique risks you face. Protect yourself from potential liabilities such as third-party injuries and damage due to spills. Don’t let a mistake or accident derail your business.

At CMB Insurance Brokers, we understand the challenges associated with insuring an oil and gas business. Our agents have the knowledge and experience needed to address the unique insurance needs of a wide range of oil and gas businesses. Rest assured that no matter what risks you face, the incredible team here at CMB insurance will be behind you every step of the way.

As the owner of a filling station the risks you face are unique to you and your insurance should reflect that. Filling Station Insurance will provide coverage for anything from fire damage to injuries or leaks and spills.

• Property exposure is from fire and explosion in the dispensing of gasoline. All pumps and equipment should be well maintained and operating properly. Smoking must be prohibited.
  

• Inland marine exposure is from Signs and Accounts Receivables.
  

• Crime exposure is from Money and Securities. Filling stations are targets for holdups. Cashiers should be protected. Depending on the area, they may stay in a bulletproof enclosure. Security officers may be available for pickups; panic buttons may be in place, and other techniques may be used to help in curtailing crime.
  

• Premises exposures come from slips and falls due to spills and uneven pavement.
  

• Products liability is normally moderate due to the standards and controls in the grading and content of gasoline, kerosene, diesel fuel and oil.
  

• Environmental Impairment is another major concern due to the storage of fuels and oils and gases. Both above- and below-ground tanks must be maintained and monitored regularly for leaks and spills. Underground Storage Tank (UST) coverage is a requirement for any underground tank.
  

• Automobile liability is very limited although there may be a non-owned exposure due to the running of errands. There may be a small fleet if there are multiple-owned locations and the owner and managers travel between locations.
  

• Workers compensation exposure is due to holdups. All employees must be trained in safety procedures to protect themselves and the customer in case of robbery. Protective equipment such as surveillance cameras, panic buttons and guards may be needed.