Petrol Station & Forecourt insurance

A petrol station forecourt at night

Safeguarding your fuel business

If you own or operate a Petrol Station, it is essential that you have sufficient insurance in place to protect you, your customers, your stock, staff, building, contents, and your liability exposures.

Take out a flexible policy, tailored to meet the specific needs of your Petrol Station and Forecourt.  Protect yourself against damage or injury to your equipment, premises, staff and customers.  You can also cover yourself in the event of having to close your premises temporarily due to an insured event, such as a fire, storm or flood.

To cover the assets, earnings and legal liabilities of your Petrol Station, you need to ensure you have protection against:

  • Public liability for injury or damage to the public, up to £5m
  • Employer liability to cover your employees injury including damages, legal costs, and expenses up to £10m
  • Loss of income coverage after an incident requiring an insurance claim, from £500,000 upwards for 12-month period
  • Accidental damage to business contents
  • Buildings including canopy, pumps, tanks and forecourt equipment
  • Stock of Fuel

Benefits to you

Policies are tailored to meet your specific needs and amendments can be made at any time. In the event of a claim we offer a straight forward claims process with specialist claims representatives to guide you through the process.

A quote we provided for a Petrol Station:

Buildings (Including canopies, pumps, underground tanks etc.): £850,000

Stock: £15,000

Stock of Fuel: £70,000

Employers Liability: £10,000,000

Contents: £80,000

Electronic Business equipment: £20,000

Tobacco : £10,000

Public Liability: £5,000,000

All other standard cover: ✔

Annual Premium: £3,316.25

Standard cover includes:

  • Sum insured up to £5m in any one location

  • Business Interruption

  • Money

  • Unlimited glass cover

  • Public and Products Liability

  • Goods in Transit

  • Deterioration of frozen foods

  • Employers Liability

  • Legal expenses

Optional cover

  • Buildings including canopy, pumps, tanks and forecourt equipment

  • Tenants Improvement

  • Contents

  • Electronic Business Equipment

  • Stock

  • Tobacco

  • Wines & spirits

  • Fuel

Ready when you are

Do you have an existing policy with Howden?

Got a question or query? Give us a few details in the box below and we'll get back to you. 

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What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

-contacting your Howden Service Team; 
-calling Howden on 020 7623 3806;
-using the Enquiry form.