There are many kinds of insurance for gas stations, even those that do or do not have a convenience store. If your gas station has a car wash or garage service, there are many policies that can help you find the necessary gas station insurance in Sacramento.
Here are the gas station policies that your gas station could use to fully protect itself from the many risks associated with that service.
Property Insurance
This policy can cover the damage, loss, or loss of tangible property if these losses are covered losses. It may cover the following:
- Accounts Receivable
- Valuable Papers and Records
- Builders Risk
- Personal Property of Others
- Buildings
- Motor Vehicle Damage to Leased Buildings
- Business Personal Property
- Inland Marine
- Boiler and Machinery
- Equipment Breakdown
- Crime Coverage
- Electronic Data Processing Equipment
Workers’ Compensation
If your employees are injured or fall ill while on the job, you will likely be held liable and be susceptible to a nasty lawsuit if the employee thinks the injury was due to your negligence. It can cover:
- Death
- Disability
- Lost Wages
- Medical Care
- Rehabilitation
Casualty Insurance
Gas stations hold petrol (gasoline), which is an extremely flammable liquid. Casualty insurance can cover all types of incidents like workers’ compensation, business interruption insurance, malpractice, and other policies. It is important to carry because it is related to more than just relating to property.
Excess Liability
Your regular liability insurance may not cover a particularly big incident that depletes your liability coverage. When this happens, your excess liability coverage will kick in should your general liability insurance run out.
To find the right commercial insurance in Sacramento, CA and surrounding areas, even for your gas station with additional services like a garage or car wash, contact the insurance professionals at Purves & Associates in Davis. An instant quote saves you time and money!