Question 1

What is a common misconception about Pollution Liability for Gas Stations?

Accepted Answer

Operators think tank monitoring catches leaks early. Slow leaks can persist for years before detection — cleanup costs $250K+ regularly.

Question 2

What happens if gas stations don't have Pollution Liability?

Accepted Answer

Slow UST leak detected during routine compliance test — soil contamination, groundwater plume, $480K cleanup. Pollution pays. CGL would deny.

Question 3

What is a common misconception about General Liability for Gas Stations?

Accepted Answer

Gas stations face higher slip/fall exposure than typical retail (fuel spills on pads, ice).

Question 4

What happens if gas stations don't have General Liability?

Accepted Answer

Customer slips on diesel spill at pump — $36K. GL pays.

Question 5

What is a common misconception about Workers' Compensation for Gas Stations?

Accepted Answer

Late-night clerks face armed-robbery exposure.

Question 6

What happens if gas stations don't have Workers' Compensation?

Accepted Answer

Clerk held up — PTSD claim $30K. WC pays.

Question 7

What is a common misconception about Commercial Property for Gas Stations?

Accepted Answer

Canopies are damaged often by tall vehicles.

Question 8

What happens if gas stations don't have Commercial Property?

Accepted Answer

Truck strike on canopy — $80K damage. Property pays.

Question 9

What is a common misconception about Commercial Umbrella for Gas Stations?

Accepted Answer

Pollution claims regularly exceed $1M.

Question 10

What happens if gas stations don't have Commercial Umbrella?

Accepted Answer

Major UST leak hits $2.4M total cleanup + claims — umbrella pays excess.

Gas Stations Insurance Coverage Guide | RISKX