Petrol Station Insurance

Specialist Petrol Station Insurance to Protect Your Forecourt Business

Owning or managing a petrol station or filling station comes with unique risks that standard shop insurance doesn’t always cover. From fuel storage and forecourt safety to theft, accidents, and environmental risks, your business needs tailored protection to keep trading with confidence.

At The Yorkshire Broker, we understand the specialist requirements of petrol station insurance or filling station insurance. We’ll work with you to create a comprehensive insurance programme that covers your shop, forecourt, staff, stock of fuel, and liabilities — ensuring your business is fully protected.

What is petrol station insurance?

Petrol station insurance is a package policy designed specifically for businesses operating fuel forecourts. It combines traditional retail insurance with additional specialist covers that reflect the risks associated with storing and selling fuel, operating pumps, and running a customer-facing shop.

Types of petrol station insurance cover

Your policy may include:

Buildings Insurance

Cover for your forecourt building, canopy, and structures against fire, flood, or storm damage.

Business Contents Insurance

Protection for shelving, refrigeration, shop fittings, and equipment.

Stock Insurance (Including Fuel)

Cover for both shop stock (e.g. food, drinks, convenience goods) and specialist cover for stock of fuel, including damage to storage tanks, equipment, and pipelines.

Business Interruption Insurance

Covers loss of income if your petrol station cannot trade due to an insured event such as fire, flooding, or major theft.

Employers’ Liability Insurance

A legal requirement if you employ staff. Covers compensation claims if an employee is injured or becomes ill while working.

Public Liability Insurance

Protection against claims from customers or members of the public if they are injured on your forecourt (e.g. slips, trips, or fuel spill accidents).

Product Liability Insurance

If products you sell, such as food, drink, or car accessories, cause harm or damage.

Specified All Risks Insurance

Cover for items like laptops and mobile devices used away from the premises.

Goods in Transit Cover

Protection for stock being delivered to your forecourt.

Theft of Takings Insurance

Cover for cash handled at your petrol station, including money in tills, safes, or in transit.

Legal Expenses Cover

Protection against the costs of disputes, tax investigations, and contract issues.

Environmental Liability Insurance/Pollution Liability Insurance

Specialist cover for environmental damage caused by fuel leaks or spillages, which can otherwise lead to costly claims.

Theft of Takings Insurance (Fidelity Guarantee)

Protects against the theft of money from your premises, staff, or while cash is being transported to the bank.

Cyber Insurance

Important for petrol stations that take card payments and rely on EPOS systems.

Why petrol station insurance is essential

Petrol stations combine retail trade with the added complexity of fuel sales. Risks are higher than a typical shop, meaning the right cover is crucial. Without it, a single incident such as a leak, theft, or accident could have serious financial consequences.

How much does petrol station insurance cost?

Costs will vary depending on:

The size and location of your forecourt
The value of your stock and equipment
Whether you operate 24/7
Security and risk management measures in place

Your claims history

At The Yorkshire Broker, we’ll take time to understand your business, ensuring you’re not underinsured or overpaying.

Get petrol station insurance today

We know that every petrol station is different, which is why we provide tailored policies that reflect your specific risks.

📞 Call 01924 929070 or contact us online today to get your petrol station insurance quote from The Yorkshire Broker.