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Diesel Gas

Gas Stations & Convenience Stores

We have been insuring gas stations and convenience stores for over 25 years, so you can say that we know a thing or two about this industry. At Tilikum we offer a one-stop shop for all your insurance needs, and based on your risk and needs, we will tailor a policy for you.

 

Consult us for:

  • 24-hr Operations 

  • Underground Storage Tanks

  • Workers Compensation through SAIF

  • Coverage for mis-fueling (Garagekeepers)

  • General & Liquor Liability 

  • Employment Practices Liability & Employee Benefits

In the Pacific Northwest, and Portland, Oregon in particular,  we have insured over 200 gas stations! We know this market very well, and we are poised to grow our clientele in this segment of the industry. 

The 01, 02, 03s of gas station insurance policies

As we typically package policies, you may need 03 separate policies if you will be operating in Oregon.

 

01 There will be a packaged business owners policy that will cover the property and liability of the operator. Under property coverage you will find the store building and it's contents, canopy, fuel pumps, and all other appurtenant structures and fixtures such as tire air pump or propane filling station. There will also be coverage for the fuel in your underground storage tanks. The liability section will cover your general & premises liability (slip and fall type incidents etc.) liquor liability (as most store sell beer & wine), and product liability. We typically add Garagekeepers liability to the package to cover any misfuelling type of claims. Employment Practices Liability Insurance is also offered, and it covers claims by your employees for things like wrongful termination or harassment. 

 

02 You may need a pollution liability policy if you are the owner of the premises. This policy is mandated by law, and covers any third party claims of ground contamination due to your leaking tanks. This policy also covers any remedial work of pollution clean up, and pays to replace the damaged tanks. There is more useful information on the EPA website. 

 

03 If you have employees that you will be required to have workers compensation insurance. This is also a state mandated coverage for all businesses  that have common law employees. This policy will cover any on the job injuries to your employee, and pay for their lost wages. 

 

and 04   When it comes to gas stations in Oregon, Garagekeepers coverage comes into play even if there are no repair facilities at the location. In Oregon customers typically do not pump their own gas - i.e. self-service is not available. This creates exposure on part of the gas station operator as they essentially have control of the vehicle during refueling. The General Liability portion of the policy may not cover such claims due to a care/custody/control exclusion in the language. Therefore a Garafekeepers endorsement becomes necessary to cover vehicle damage claims by customers. An example would be a scratch caused by the fuel nozzle, or diesel fuel pumped into a gasoline vehicle. 

Tilikum Insurance Gas Station Insurance