If you own or operate a gas station in Texas, you already know that insurance is one of the most challenging parts of running your business. Standard carriers routinely decline gas stations — and when they do write coverage, the policies are often full of exclusions that leave you exposed when you need protection most.
This guide covers everything you need to know about gas station insurance in Texas — what coverage you need, what's typically excluded, how much it costs, and how to find a carrier that will actually write your risk.
Why Standard Carriers Decline Gas Stations
Gas stations present a unique combination of risks that make most standard commercial carriers uncomfortable:
- Underground Storage Tanks (USTs) — Leaking fuel tanks can cause environmental contamination that costs hundreds of thousands to remediate.
- Pollution Liability — Fuel spills, vapor releases, and contaminated soil can trigger expensive cleanup requirements.
- Robbery Risk — Gas stations are among the most frequently robbed businesses in the country.
- Drive-offs — While not covered by insurance, they represent a significant operational loss.
- Fuel Dispensing Liability — Accidents involving fuel dispensing equipment.
Coverage Every Texas Gas Station Needs
UST Liability
Required by Texas law for most tank operators. Covers cleanup costs and third-party bodily injury from tank releases.
Pollution Liability
Covers environmental damage beyond what UST coverage provides — including above-ground spills and vapor releases.
General Liability
Slip and fall, customer injuries, property damage. Essential for any customer-facing business.
Property Coverage
Building, canopy, fuel pumps, car wash equipment, convenience store inventory.
Crime / Robbery
Cash, lottery tickets, merchandise — gas stations are high targets.
Business Interruption
Revenue replacement if you're forced to close due to a covered loss.
How Much Does Gas Station Insurance Cost in Texas?
Gas station insurance premiums vary significantly based on:
- Number of fuel dispensers and tank capacity
- Age and condition of underground storage tanks
- Whether you have a convenience store or car wash
- Your claims history
- Location and crime statistics
- Annual fuel sales volume
A typical Texas gas station with a convenience store can expect to pay $8,000–$25,000+ annually for a comprehensive commercial package. UST coverage alone can run $3,000–$10,000 depending on tank age and size.
How Activo Insurance Helps
As an independent agent specializing in hard-to-place commercial risks, Activo Insurance has relationships with specialty carriers who specifically write gas station risks. We can often find coverage for stations that have been declined by standard carriers.
Call or text us at (682) 666-0461 or fill out our online quote form. We respond within 24 business hours.