Petrol Stations Insurance

Insurance for petrol stations by Prosura

It would be easy to focus in on the very obvious fire risk when in comes to Petrol station insurance. But there are actually many other considerations to be made when buying forecourt insurance. Here at Prosura, we offer a friction free, jargon less approach to arranging quality cover. Leaving you free to get on with running your business.

What can be included on a filling station insurance policy?

Like any business, you need to consider how best to protect people (Management, employees and members of the public), assets such as premises, equipment and stock, and other risks to the business such as business interruption. Typically, a standard policy will include:

Liability insurance for petrol stations:

Employers Liability Insurance is required by law in the UK. Where you have anyone working for you – even on a part time or casual basis – you must have a minimum of £5m EL in place. It protects you where a worker claims to have been made unwell, been injured or suffered a loss as a consequence of their work for you. While not required by law, you should also consider Public Liability, which works in a similar way but protects you from claims by the public – your customers, for example.

Buildings and content insurance:

If you own the premises , you’ll need to cover the building and forecourt itself. Contents cover protects you from costs in the event that fixtures, fittings and business equipment are stolen, damaged or destroyed due to a fire, fold or other insured event.

Money Cover

While the world is increasingly cashless, particularly where you have a convenience store as part of the business, it’s likely that you still handle significant amounts of cash every day. We can arrange for specific cover to protect you in event of cash theft.

Business Interruption

Imagine if the worst were to happen. Your business was one of those petrol stations to suffer a fire. The cost of repairing damage to the premises, replacing equipment and stock, as well as handling any claims from staff or customers would be the first things that would spring to mind as issues that your insurance should address. But there would also be significant costs associated with you continuing to manage the business while everything was being repaired so that you can be operational again. You’d still have bills and wages to cover. Business Interruption cover can protect you from these costs by paying out for an agreed period of time.

Fuel Theft cover

Fuel theft happens all too frequently, and even with CCTV and vigilant staff, you can still be a victim. With high fuel prices driving up the value of the average tank, even just a couple of thefts a year can soon add up.

What else might you need to consider when choosing filling station insurance?

There are a host of other covers that may need including on your petrol station insurance policy. These will vary depending on your particular business.

Do you sell alcohol or tobacco? These are attractive to thieves and can represent significant value, so it may be wise to cover them specifically.

Where you operate an automatic car wash, you can take out a liability extension protecting you should a customers vehicle be damaged in any way.

To find out more about how Prosura can arrange the right insurance for your petrol station business, just give us a call or use the contact form.

Why choose Prosura for your petrol station insurance needs?

We’re here to let you get on with running your business by providing friction free access to expert advice and high quality insurers. We’re on hand with professional advice as your business evolves and expands.

We also give all our Petrol Station Insurance Clients free access to PROSURA Digital Lawyer, saving them hundreds of pounds a year on Legal Fees.

For your filling station insurance requirements, contact the specialist brokers at Prosura today.

Contact us

  • This field is for validation purposes and should be left unchanged.