Gas Station & C-Store Insurance Across 33 States
Trinity Solutions helps gas stations and convenience stores across 33 states address fuel, retail, and environmental risks. From underground storage tank leaks to customer injuries, we build coverage around each operation and its state-specific requirements.
Get a free quote
Tell us a little about your business. We will shop 30+ carriers and respond within 24 hours.
What gas station insurance covers
A complete program includes general liability for customer injuries; property coverage for the building, equipment, and inventory; equipment breakdown for pumps and refrigeration; crime coverage for cash and fuel theft; workers compensation for employees; and commercial auto for fuel delivery vehicles. The cornerstone, however, is pollution liability for underground storage tanks.
Underground storage tanks and pollution liability
The single most important coverage for a gas station. Underground storage tanks (USTs) can leak over time, causing soil and groundwater contamination. Virginia DEQ requires financial responsibility for UST cleanup, which can cost hundreds of thousands of dollars. Pollution liability insurance covers cleanup, third-party bodily injury, and property damage from leaks. We help you document tank age, construction type, and leak detection systems to secure the best terms from carriers.
Common exposures for Virginia stations
Drive-off fuel theft, slip-and-fall inside the store, pump fires, refrigerator breakdowns, employee theft, and cyber liability from payment card processing are all common. Stations with car washes, food service, or high cash volumes carry additional exposures that require careful coverage design.
Why surplus lines access matters
Gas stations are often declined by standard markets due to environmental risk and the age of storage systems. Our surplus lines access means we can place coverage that admitted carriers won't write, often at competitive rates, by matching your station's specific profile to the right market.
Frequently asked questions
Yes. Virginia requires UST owners to demonstrate financial responsibility for cleanup and third-party damages. Pollution liability insurance is the most common way to meet this requirement, and it covers cleanup costs that can reach hundreds of thousands of dollars.