Petrol Station Insurance

Petrol Station Insurance

Petrol station insurance can be complex as this specialist cover is referred to in many ways such as forecourt insurance, fuel station cover, garage forecourt insurance, petroleum retail and convenience insurance or filling station insurance.


Our 30 years’ experience in this sector means we understand the jargon and challenges facing forecourt operators today.


Our access to bespoke and comprehensive cover ensures you are correctly protected in the unfortunate event of a claim.


We can provide bespoke/tailored policies whether you are a landlord looking to cover the buildings only, operate a full site, are a commission operator or have your site run by a commission operator or have a motor garage which forms part of the business.


Standard cover includes:


  • Business Interruption
  • Money
  • Public and Products Liability
  • Goods in Transit
  • Deterioration of frozen foods
  • Employers Liability
  • Legal Expenses


Optional cover - choose from:


  • Buildings
  • Tenants Improvement
  • Electronic Business Equipment
  • Contents
  • Stock
  • Tobacco
  • Wines and Spirits
  • Fuel
  • Liability Extension for Automated Carwashes
  • Personal Accident
  • Terrorism

About Petrol Station Insurance

Most households in the UK own at least one car, which makes a petrol station a worthy business. In your petrol station, you can provide your clients with different services: fuel, vehicle check-ups, automotive repair, and snacks if you operate a convenience store. But managing such a business is a big undertaking, and you don’t want to worry about making sure that your employees, customers, and business are safe. However, as a petrol station owner, it is your responsibility to create a safe and secure environment for all.


While you may take pride in being of service to the community, are you doing everything necessary to protect your business, employees, and customers? If you don’t have a petrol station insurance policy for your business, then the answer is “no.” Although most businesses are underinsured, you can put your business ahead of your competition while also protecting it, your employees, and customers with our petrol station insurance policy.

Common Losses Petrol Station Owners Claim After Fires

Even the safest petrol stations can quickly go up in smoke. Every year, there are over 5,000 fires at petrol forecourts and more than 14,000 crimes that result in property damage. While these numbers may scare you, they should encourage you to have a risk management plan. Our petrol station insurance will help you to protect your investment and keep you, your customers and employees safe. Our strong petrol station insurance will cover the repair of damaged properties after a fire, and protect your business from liabilities if anyone is harmed on your premises. To protect your property and all people in it, we cover for:


Fires And Explosions:


Petrol is inherently dangerous, and our petrol station insurance provides coverage for your business for damages caused by both fires and explosions. Although a higher deductible may help you save more money on your insurance premiums, you will incur more when making a claim.


Equipment Losses:


If you operate a petrol station, you most likely have a convenience store and a garage on your business premises, which means that there is expensive equipment. The loss or damage of your equipment, including cash registers, refrigerator cases, and security systems can be expensive to replace. Fortunately, our petrol station insurance also covers the replacement of all expensive electronics.


Adverse Weather:


Apart from fires and explosions, your business may also be affected by adverse weather like lightning strikes during thunderstorms. In the event of a lightning strike, there may be a power surge, which can ignite anything combustible on your property. Our petrol station insurance policy clearly states that it covers you for lightning storms, strikes, and harsh weather events.


Slips, Trips, And Falls:


This type of accident can happen anywhere, and your premises is not immune. When snow or ice lingers on your parking lot during winter, your employees or customers may slip, and vehicles can also skid. On the other hand, spilled fuel and oil can cause falls. To minimise exposure to slips, trips, and falls, you may want to mix industrial salt with gravel and spread it during icy conditions. Also, spread it after spills to absorb the oil or fuel. But in order to safeguard your business from potential personal injury claims, ensure you purchase appropriate petrol insurance cover.


Building Upgrades:


In the course of your business, you will have to repair the buildings after damages in a manner that is compliant with your local building codes. At Forum Insurance, we can include building ordinance coverage in your petrol station insurance to help you offset the high cost of repairs. Otherwise, you may have to pay for the high repairs out-of-pocket.


Business Income Loss:


If your property is damaged, you may have to close your business doors to the public until all the repairs are complete. This means several weeks and months of lost income. To protect yourself from such a situation, give us a call at 0208 909 2899 to get a quote for petrol station insurance. With such protection, we will always reimburse you for damages, and also pay you for the extra expenses you incur when you close business.

Tips On How To Minimise Fire Risks In Your Petrol Station

Fires and explosions are potential hazards when operating a fuel station. Therefore, you need to be well-prepared to counter these challenges head-on. Start with the basics – posting open flame warnings and installing fire suppression systems. Doing this will not only help you protect your employees and customers but also allow you to save more money on your petrol station insurance premiums.


As a petrol station owner, it is also important that you consider some of the common causes of fires on gas stations to help you stop such an event from happening. Most petrol station fires and explosions are caused by:


Electrical Hazards:


When poorly maintained or misused, the electrical equipment in your business premises can turn into an electrical hazard. The risk increases when your employees have to use the equipment in a wet environment. It can be difficult to cut down the electricity risks in your petrol station, but not impossible. In case you also have a mechanical car wash in your premises, consider installing an easy to access emergency stop button. Make sure that all your equipment is well-insulated and that the electrical dangers of using specific machines are labelled. But after taking all these precautions, it is also vital to have petrol station insurance to give you peace of mind that your investment is protected from potential electrical hazards.



Poorly Maintained Pumps:


When your fuel pumps are not properly maintained, they can often cause spillage. Therefore, have the pumps checked regularly for leaks and to ensure that they’re operating at the right pressure.

Tailored Petrol Station Insurance Is Best

Running a petrol station isn’t an easy task – you face numerous risks that you have to keenly supervise. However, you don’t have to face all the potential challenges alone. The insurance professionals at Forum Insurance have sufficient resources that will give you peace of mind that your investment is well-protected in case the worst happens. To reduce your petrol station risks and also bolster your business for future success, contact us today or give one of our friendly insurance experts a call at 0208 909 2899.

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