Petrol Station Insurance: Your Fire Safety Net

Owning and operating a petrol station is not without its unique challenges and risks. Among the foremost concerns is the ever-present threat of fire, which can have devastating consequences. In this post, we will go over how petrol station insurance works and explore how it can be your vital safeguard against fire-related disasters.


The Specialised World of Petrol Station Insurance

Petrol station insurance is a specialised form of commercial insurance meticulously designed to provide financial protection against a range of unforeseen events such as fire, flood or theft. What makes it stand out is its tailored coverage, addressing the distinct and critical needs of petrol station owners.


Protecting Your Assets

At the core of petrol station insurance is the protection of your assets. This coverage extends to the physical structures on your premises, encompassing fuel pumps, convenience stores, storage facilities, and any other buildings. In the unfortunate event of a fire, this insurance acts as a financial safety net, covering the costs associated with necessary repairs or replacements.

But it doesn’t stop there. Petrol station insurance also takes into consideration the equipment and machinery that are essential for your business. This includes petrol pumps, forecourt canopy, underground tanks, pipes and additional permanently sited facilities such as car washes, automated tyre inflation and electric car charging points. Should your facility be affected by a fire, petrol station insurance can alleviate the financial burden of repairing or replacing equipment and machinery affected by the incident.

Beyond safeguarding structures and equipment, petrol station insurance extends its protective reach to your inventory. Petrol stations likely stock a diverse array of products, from fuel to convenience store items such as food, tobacco and alcohol. In case of a fire, the policy can provide compensation for the value of the inventory lost, enabling you to recover and get back on your feet.

Ensuring Financial Stability

In addition to asset protection, petrol station insurance often includes coverage for business interruption. In the case where a fire forces your petrol station to temporarily close its doors for repairs. The policy steps in to help compensate for the income you would otherwise lose during this period, ensuring your financial stability.

Liability coverage is another critical facet of petrol station insurance. In the unfortunate event that a fire at your station results in harm or damage to third parties, such as neighbouring properties or individuals, this aspect of the policy can shield you from potential legal and financial repercussions.

Taking the Right Steps

To ensure that your petrol station is comprehensively protected against fire and other potential risks, here’s what you should consider:

Risk Assessment: Begin by evaluating the fire risk specific to your location. Take into account factors such as the presence of flammable materials, your existing fire prevention measures, and the proximity of emergency services.

Expert Guidance: Collaborate closely with an experienced insurance broker or agent who specialises in petrol station insurance. Their expertise can help you navigate the complexities of petrol station insurance and ensure you find a policy that aligns with your unique requirements.

Policy Review: Carefully examine the terms and conditions of the insurance policy you select. It is important that you make sure your policy sufficiently covers your assets and liabilities while meeting your specific needs.

Prioritising Safety: Implement rigorous fire safety measures and adhere to local regulations to proactively reduce the risk of fire incidents at your petrol station.


Petrol station insurance isn’t only a financial safety net; it’s an essential element of risk management for petrol stations. It provides the essential protection needed to protect your investments and ensure your financial stability in the face of unexpected events, including fires. 

At Acer Insurance we have over 25 years of experience in arranging insurance, if you have any questions regarding Petrol Station Insurance, you can call 01959546823 or contact us by email.



  • Oliver Burt

    Oliver Burt is a Director at Acer Insurance Services and founded the company in 2019, he specialises in company development and bespoke schemes for those with unusual and nonstandard insurance needs.
    Before founding Acer Insurance Services, Oliver was the Operations Manager at a small insurance broker in Sevenoaks where he was responsible for the day to day running of the business. Oliver has many years’ experience having worked within the insurance industry since 1996.
    Oliver is passionate about finding niche insurances that can make a real difference to people and businesses, finding solutions tailored to their insurance needs. He also is committed to developing the skills and knowledge of the team at Acer Insurance Services.
    In his spare time Oliver enjoys growing fruit and vegetables on his allotment and spending time with friends and family.