The forecourt broker
that knows your risks.

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.