Filling Station Insurance Edmonton

As the owner of a fuel filling station, insurance is essential for protecting you against the unique risks you face. Protect yourself from potential liabilities such as third-party injuries and damage due to spills. Don’t let a mistake or accident derail your business.

Proper insurance coverage is vital for Filling Stations

At CMB Insurance Brokers, we understand the challenges associated with insuring an oil and gas business. Our agents have the knowledge and experience needed to address the unique insurance needs of a wide range of oil and gas businesses. Rest assured that no matter what risks you face, the incredible team here at CMB insurance will be behind you every step of the way.

Why do I need Filling Station Insurance?

  • Protection for property, tool, supply and equipment losses due to fire, vandalism, theft and more
  • Protection for equipment breakdowns
  • Protection for liability losses due to injury or third-party property damage
  • Protection for errors and omissions
  • Protection for loss of income due to business interruption and more
  • Protection for automobile losses due to accidents and vandalism
  • Protection for cyber losses due to data loss, credit card breach and other digital threats
Person fueling a car at a filling station

Filling Stations face unique risks

As the owner of a filling station the risks you face are unique to you and your insurance should reflect that. Filling Station Insurance will provide coverage for anything from fire damage to injuries or leaks and spills.

Property Exposures:
  • Property exposure is from fire and explosion in the dispensing of gasoline. All pumps and equipment should be well maintained and operating properly. Smoking must be prohibited.
Inland Marine Exposures:
  • Inland marine exposure is from Signs and Accounts Receivables.
Crime Exposure
  • Crime exposure is from Money and Securities. Filling stations are targets for holdups. Cashiers should be protected. Depending on the area, they may stay in a bulletproof enclosure. Security officers may be available for pickups; panic buttons may be in place, and other techniques may be used to help in curtailing crime.
Premises Exposures
  • Premises exposures come from slips and falls due to spills and uneven pavement.
Products Liability Exposures
  • Products liability is normally moderate due to the standards and controls in the grading and content of gasoline, kerosene, diesel fuel and oil.
Environmental Impairment Exposure
  • Environmental Impairment is another major concern due to the storage of fuels and oils and gases. Both above- and below-ground tanks must be maintained and monitored regularly for leaks and spills. Underground Storage Tank (UST) coverage is a requirement for any underground tank.
Automobile Exposures
  • Automobile liability is very limited although there may be a non-owned exposure due to the running of errands. There may be a small fleet if there are multiple-owned locations and the owner and managers travel between locations.
Workplace Compensation Exposures
  • Workers compensation exposure is due to holdups. All employees must be trained in safety procedures to protect themselves and the customer in case of robbery. Protective equipment such as surveillance cameras, panic buttons and guards may be needed.

What types of Business Insurance do I need?

There are many types of insurance policies that our experts can advise you on and package to meet your specific needs, such as:

  • Accounts Receivable Insurance
  • Automobile Liability and Physical Damage
  • Building Insurance
  • Business Auto Liability and Physical Damage
  • Business Income Insurance
  • Business Personal Property Insurance
  • Contractors’ Tool and Equipment Floaters
  • Computer Fraud Insurance
  • Computers Insurance
  • Directors and Officers Insurance
  • Dishonesty Insurance
  • Disappearance and Destruction Insurance
  • Employee Benefits
  • Employee Dishonesty Insurance
  • Employment Practices Liability Insurance
  • Environmental Impairment Insurance
  • Garage Keepers Insurance
  • General Liability Insurance
  • Goods in Transit Insurance
  • Hired and Non-owned Auto Insurance
  • Installation Floater Insurance
  • Leasehold Interest Insurance
  • Money and Securities Insurance
  • Real Property Insurance
  • Signs Insurance
  • Valuable Papers and Records Insurance
  • Workers Compensation Insurance
  • Underground Storage Tank Insurance
  • Umbrella Liability Insurance