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Petrol Station Insurance
Tailored Petrol Station Insurance
Running a petrol station comes with a unique set of challenges and risks that require specialist protection. At 1st Choice Insurance, we understand the risks involved in managing a petrol station business, whether you operate a single independent station or a multi-site operation. Our petrol station insurance policies are designed to offer comprehensive, tailored cover that protects your assets, staff, customers, and reputation.
Get a Quote for Petrol Station Insurance Today
Protect your forecourt business with tailored petrol station insurance from 1st Choice Insurance. Whether you’re starting a new venture or reviewing your current policy, our expert team is here to help.
Call our friendly, experienced team on 03301 081615 for a no-obligation quote or use our Get a Quote Form to request a call back.
What is Petrol Station Insurance?
Petrol station insurance is a specialist commercial policy that provides protection for businesses that store and sell fuel, often alongside other services such as convenience stores, car washes, and MOT bays. These operations are exposed to a range of risks, from fire hazards and fuel leaks to theft, equipment failure, and liability claims.
Standard business insurance simply doesn’t offer the level of protection required by petrol station owners. That’s why petrol station insurance bundles several essential types of cover into a single, flexible policy tailored to the needs of forecourt businesses.
Who Needs Petrol Station Insurance?
Petrol station insurance is essential for:
- Independent forecourt owners
- Franchise operators
- Multi-site fuel retailers
- Petrol stations with convenience shops or fast food outlets
- Fuel depots and diesel bunkering businesses
- Sites offering additional services like car washes or garages
Regardless of your size or set-up, if your business involves storing and selling fuel, you need dedicated petrol station insurance to stay compliant, protect your business, and prepare for the unexpected.
Benefits of Petrol Station Insurance
Choosing the right petrol station insurance policy offers a wide range of benefits:
- Full Protection: Covers every aspect of your business, from the forecourt and shop to your employees and customers.
- Financial Security: Helps avoid large out-of-pocket expenses following accidents, damages, or liability claims.
- Regulatory Compliance: Ensures you meet UK legal insurance requirements such as Employers’ Liability.
- Customisation: Policies can be tailored to your exact operation, from a single forecourt to a nationwide chain.
- Peace of Mind: Know that your business is protected by a robust and reliable insurance solution.
What Does Petrol Station Insurance Cover?
Our petrol station insurance policies are built around the specific needs of your business and can include the following core covers:
Property Insurance
Protects your buildings, fixtures, fittings, and forecourt infrastructure against damage from fire, flood, storm, vandalism, and more.
Fuel Contamination & Leakage Cover
Essential cover in the event of fuel leaks, spills, or contamination that can lead to costly clean-ups, environmental damage, and liability claims.
Public Liability Insurance
Covers claims from third parties for injury or property damage on your premises, including slips, trips, fuel mishandling, or forecourt accidents.
Employers’ Liability Insurance
A legal requirement in the UK if you employ staff, this protects against claims from employees who are injured or become ill due to their work.
Business Interruption Insurance
Covers loss of income and operational expenses if your business is forced to close temporarily due to a covered event like fire, flood, or fuel contamination.
Shop Contents & Stock Cover
Covers stock and equipment inside your petrol station, convenience store or retail outlet.
Equipment Breakdown Cover
Can cover repair or replacement costs for critical equipment such as pumps, tills, refrigeration units, and more.
Goods in Transit Insurance
If you operate fuel delivery or stock transportation, this covers loss or damage while goods are being transported.
Why Choose 1st Choice Insurance?
At 1st Choice Insurance, we specialise in providing bespoke insurance solutions for petrol stations and forecourt businesses. Here’s why hundreds of businesses across the UK trust us with their cover:
✅Expert Knowledge
We understand the fuel retail sector inside and out. Our experienced advisers know the risks you face and how best to mitigate them with the right cover.
✅Tailored Cover
We don’t believe in off-the-shelf policies. We work with you to build a policy that reflects your operation’s size, structure, and services.
✅Independent Broker
As a trusted independent broker, we work with a wide panel of leading UK insurers to find the best policy at a competitive rate.
✅Dedicated Support
We’re with you for the long haul. Whether you need to make a claim, update your policy, or ask a question, our team is here to help – quickly, professionally, and with your best interests in mind.
