Specialist forecourt insurance brokers · 30+ years in the sector · 0208 909 2899
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Home› Business Insurance› Petrol Station Insurance

The forecourt broker
that knows your risks.

Petrol station insurance is complex. Most brokers don't understand it. We've been placing specialist forecourt cover for over 30 years — for landlords, full operators, and commission operators across the UK.

Request a Quote Speak to a Specialist
30+ years forecourt experience Bespoke policy wording Landlord & operator cover Commission operators covered

Get a forecourt insurance quote

Tell us about your site — we aim to call you back within the hour during office hours (Mon–Fri, 9am–6pm).

Forecourt specialists · Mon–Fri 9:00–18:00

Our Insurers

Our Insurer Panel

Aviva Zurich AXA Allianz Hiscox Chubb Markel QBE Ageas Ecclesiastical AIG Intact Munich Re RSA Covéa +30 more →

Authorisations & Memberships

FCA Authorised No. 305819 Financial Conduct Authority Industry Body BIBA Member British Insurance Brokers’ Assoc. Professional Body CII Member Chartered Insurance Institute Certified Cyber Essentials NCSC Certified Scheme Accredited Employer Living Wage Real Living Wage Employer Government Framework Crown Commercial Services Supplier

Why specialist cover matters

The risks are unlike any other business.

5,000+
forecourt fires reported in the UK every year
Industry data
14,000+
forecourt crimes resulting in property damage annually
Industry data
30+
vehicles can be affected by a single contaminated fuel incident
Sector experience
24/7
operation creates risk exposure around the clock — not 9 to 5
Operational reality
Who We Cover

Every type of forecourt
operation, covered

Forecourt insurance isn't one-size-fits-all. Whether you own the site, operate it, or run it on commission — your risks and your cover needs are different. We know the difference.

⛽

Full Site Operators

You own and operate the forecourt. We cover the full operation — fuel liability, buildings, public liability, business interruption, stock and employees.

🤝

Commission Operators

Operating a site on behalf of an oil company or landlord introduces unique liability questions. We have specific policy options designed for commission operators.

🏢

Landlords (Buildings Only)

Own a forecourt site but lease it to an operator? We arrange buildings-only cover that correctly addresses the risks of a commercial fuel retail property.

🔧

Motor Garage & Forecourt

A motor garage that forms part of your forecourt operation adds additional liability. We cover combined motor trade and forecourt risks under a single policy.

🛒

Convenience Store & Forecourt

Running a convenience store or retail operation alongside your fuel sales? We include the full retail operation within your forecourt policy.

🚗

Car Wash Operations

Jet washes, automated car washes, and valet bays carry specific liability risks. We can add these to your forecourt policy or arrange standalone cover.

Forecourt-Specific Risks

Risks most brokers
don't understand

This is why a specialist matters. A general commercial broker will give you a standard policy that looks adequate — until you make a claim and discover the gaps.

Contaminated Fuel Liability

One contaminated delivery can affect 30+ vehicles before you know it's happened. The liability — vehicle damage, recovery costs, consequential losses — can be enormous. Standard policies rarely cover this adequately.

Fuel Pump Drive-Offs

Daily occurrence at most sites. Beyond the product loss, there are costs for staff time, CCTV retrieval, and police reporting. We can include drive-off protection within your policy.

Underground Storage Tank Liability

Leaking USTs can contaminate land and groundwater, triggering enormous environmental clean-up costs. Environmental liability is often excluded from standard policies — it must be explicitly included.

Forecourt Collision Damage

Vehicles colliding with pumps, canopies and site infrastructure. With vehicles manoeuvring 24/7, incidents are frequent. The cost of replacing a modern fuel pump can exceed £40,000.

Petroleum Retail Liability

Selling fuel creates specific product liability obligations. If fuel causes damage or injury — even if the fault is with a supplier — you may face claims as the retail vendor.

Nozzle-in-Tank Drive-Away

A driver leaving with a fuel nozzle still inserted can damage the pump, the vehicle, and cause fuel spillage. A surprisingly common and expensive incident that needs explicit cover.

What We Cover

A policy built for
how you operate

We build your policy from the ground up — not from a template. Every element is explicitly agreed and documented.

✓

Buildings & Forecourt Infrastructure

Canopy, pumps, kiosks, car wash equipment, signage and all site infrastructure.

✓

Public & Products Liability

Third-party claims arising from your site operations and the fuel and products you sell.

✓

Employers Liability

Compulsory cover for all staff including part-time cashiers, site staff and contractors.

✓

Business Interruption

Revenue protection if your site is forced to close following fire, flood, or an insured incident.

✓

Stock & Contents

Fuel in tanks, convenience store stock, spare parts and site equipment.

✓

Contaminated Fuel Cover

Third-party vehicle damage arising from contaminated fuel — available on specialist policies.

✓

Environmental Liability

UST leaks, fuel spillages and land contamination — explicitly included, not left to chance.

✓

Money & Personal Assault

Cash on site and in transit, including personal assault cover for staff handling money.

Our Forecourt Expertise

30+ years placing
forecourt cover.

When it comes to petrol station and forecourt insurance, we've seen everything — and placed cover for all of it. From single-site independent operators to multi-site portfolios run by commission operators for the major fuel brands.

We understand the regulatory requirements, the insurer appetite for forecourt risks, and critically — the specific policy wording that protects you when a claim arises. Most brokers simply don't have this knowledge.

Talk to a forecourt specialist →
30+
Years in Forecourt Insurance
100s
of Forecourt Policies Placed
~90%
Client Retention Rate
1
Dedicated Broker — Always
Claims Support

Forecourt claims are
complex. We handle them.

A forecourt claim — whether it's a fire, a contaminated fuel incident, or a major collision — is not a standard claim. It involves multiple parties, regulatory considerations, and loss adjusters who may not understand your operation.

We've managed forecourt claims throughout our 30-year history. We know how to present them, how to challenge undervalued settlements, and how to get your site operational again as quickly as possible.

Talk to us about a claim →
STEP 01

Call your dedicated broker immediately

Don't speak to the insurer first. Call us. We advise on what to do, what not to say, and how to protect your position from the outset.

STEP 02

We notify and instruct the insurer

We control the narrative from day one — setting out the claim correctly and flagging all areas of cover immediately.

STEP 03

We manage the loss adjuster

Loss adjusters work for insurers. We work for you — attending meetings, reviewing reports, and challenging findings that don't reflect your actual loss.

STEP 04

We secure a full and fair settlement

We know forecourt policy wordings inside out. If an offer falls short, we know exactly where to push back — and we do.

Common Questions

Petrol station insurance FAQs

Standard commercial policies are not designed for petrol stations. They typically exclude or severely limit cover for fuel-related risks — including contaminated fuel liability, underground storage tank leaks, petroleum retail liability and forecourt-specific collision damage. Using a standard policy for a forecourt site is a significant risk. If you make a claim and the insurer determines the risk wasn't properly disclosed or that the policy wording doesn't cover it, your claim will be rejected.
A full site operator owns and controls the forecourt operation — purchasing fuel wholesale and selling it retail. A commission operator runs the site on behalf of an oil company or landlord, earning a commission per litre sold. The liability structure is fundamentally different — a commission operator typically has less exposure to product liability but may have specific obligations under their operating agreement that need to be reflected in their insurance. We understand both models and place cover accordingly.
Only if your policy explicitly includes contaminated fuel liability — and most standard policies do not. A contaminated fuel incident can affect dozens of vehicles before it's detected, with claims for vehicle damage, recovery costs, hire cars, and consequential losses. This is one of the most significant forecourt-specific risks and it must be explicitly covered in your policy. We ensure it is.
Environmental liability for UST leaks is routinely excluded from standard policies. A leaking tank can contaminate soil and groundwater, triggering remediation costs that can run to hundreds of thousands of pounds. Regulatory requirements under the Environmental Permitting Regulations can also impose significant liabilities on site operators. We include environmental liability cover explicitly in our forecourt policies.
Yes. Most forecourt operations include a convenience retail element — whether a kiosk, a standalone shop, or a branded convenience store. We can include the full retail operation within your forecourt policy, covering stock, contents, retail liability and business interruption for the shop alongside your forecourt cover.

Rather talk it through first?

Book a free 30-minute call with our Forecourt Specialist — no prep needed, no obligation.

Book a Call with a Forecourt Specialist Call 0208 909 2899
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