Gas Station and Automotive Repair Insurance

Automotive Gasoline Service Station and Convenience Stores

A Retail Service Station has full-service and/or self-service gasoline sales along with Convenience Store/Mini Market operations (snacks, beverages, etc.), cooking, car wash, and repair operations. A typical Service Station will be leased from a major oil company such as Shell/Texaco, Exxon/Mobil, ARCO, or Chevron and the insured is not responsible for providing building coverage. This is the preferred risk, since the oil company handles all building maintenance and upkeep promptly. The insured may also own the property rather than leasing from an oil company. The owner must have a minimum of two years experience service station/convenience store industry or related specialized training.

Eligible Operations for Automotive Gasoline Service Station

• Gasoline/Convenience Store (Mini Market) - gasoline must be at least 45% of the TOTAL sales with or without Car Washes.
• Car Wash must be of the self-service type WITHOUT brushes.
• Gasoline/Convenience Store (Mini Market) with or without cooking - Total sales for cooked food cannot exceed 25% of total sales.
• Cooking is defined as any risk with grill and/or deep fat fryer or deli-type operations.
• Liquor Sales - Available in some states. Sales can be no more than 15% of the TOTAL annual sales.
• Hard Liquor Sales - Sales can be no more than 5% of total annual liquor sales.
• Repairs - Incidental minor repairs are acceptable in conjunction with a Retail Service Station.
• Owned Automobiles - Program intent is to provide insurance only for those vehicles used to service the insured operation. Coverage available only for owned or long-term leased automobiles.
• Automobiles must be registered in the name of the insured if an individual, in the name of a partnership, or in the corporate name if a corporation.

Ineligible Automotive Gasoline Service Station Exposures

This list does not include ALL ineligible exposures. Contact Heber Insurance for more information.

• Storage yards for wrecked or disabled autos
• Parking garages or any risk that parks autos for a fee
• Any risk requiring coverage for Dealer Tags
• Any risk that sells or repossesses autos, RV's motorcycles or any other similar vehicles whether new or used
• Auto leasing or rental operations except for circumstances as outlined below for repair risks
• Truck Stops
• Vacant buildings of any kind, risks under construction, or risks undergoing major renovations
• Any risk with more than three tow trucks (one must be a back-up) at an Insured location
• Any risk where propane sales exceed 10% of total sales. Propane sales must be limited to individual bottle filling or bottle exchange.

Automotive Repair Garage

An Automotive Repair Business is 100% repair service with no gasoline sales. A typical Auto Repair Garage will be a Major Brand and/or franchised repair shop that is leased from the Franchise owner. The building will be leased and the insured is not responsible for providing building coverage. This is the preferred risk since the Franchise owner handles all building maintenance and upkeep promptly. The insured may also own the property rather than leasing from a franchise owner. Owner/operator must have five year's experience, or repair shop must be primarily staffed by certified mechanics.

Owned Automobiles

This program is designed to provide insurance for those vehicles used to service the insured operation. Coverage is only available for owned or long-term leased automobiles. Automobiles must be registered in the name of the insured if an individual, in the name of a partnership, or in the corporate name if a corporation.

Eligible Operations for Automotive Repair Garage Program

• Quick Lube Centers - Preferred are those with major brand affiliation such as Pennzoil, QuakerState and Jiffy Lube.
• Transmission Shops
• Tune-Up Shops/Auto Mechanical Repair (not major repairs)
• Auto Glass Repair (residential or off-site glass repair is not eligible)
• Muffler Shops
• Brake Shops
• Auto Parts Stores (Machine Shop exposures are not eligible)
• Auto Body Shops

Ineligible Automotive Repair Garage Exposures

This list does not include ALL ineligible exposures. Contact Heber Insurance for more information.

• Any risk that sells autos, RVs, watercraft, motorcycles or any other similar vehicles, whether new or used.
• Risks that have unrestrained dogs in the yard during working hours and/or not kept within a chained secured lot during non-working hours.
• Frame repair shops
• Any risk doing customization or alterations to vehicles such as sunroofs, roll bars, upholstery work, etc.
• Radiator repair shops
• Repair on high value autos, trucks (other than pick-up trucks), and marine engines
• Tire Stores/distributors or any risk that recaps tires or sells recapped tires. Volume sales of used tires are prohibited and products coverage for used tires will be excluded.
• Any auto leasing or rental operations. **Operations which represent national organizations (Ryder, U-Haul, etc.) could be eligible, but must be approved by underwriter.
• Repossession, storage or junkyard operations for wrecked or disabled vehicles.
• Any risk requiring dealer tags (Transporter and repairer tags are permissible on an EXCEPTION basis).
• Any risk that sells propane gas or does any type of repair to propane-equipped vehicles.
• Auto repair shops that repair commercial large trucks (20,000 - 25,001 GVW or greater), farm vehicles or equipment, or industrial equipment.
• Any risk that repairs boats, motorcycles, recreational vehicles, large trucks (25,001 GVW or higher), or vehicles valued at $50,000 or over.

Car Washes

Car washes are eligible if they are associated with a retail gas station and are located on the same premise. Car washes can be of the Full Service manner or the Self Service manner. The difference between Full Service and Self Service is the fact that you get out of your car in a Full Service Car Wash and you remain in your car for a Self Service car wash. There is a third type of car wash that is known as a Wand Car Wash. A wand car wash is a type of self-service car wash where you get out the car, insert money (usually quarters) into the machine and you wash the car with a power washer. The wand car washes are the least desirable and are ineligible for the our Service Station Program.

Eligible Exposures:

• Self-Service Drive Through as long as the car wash is on the same premise as the Service Station.
• Full-Service Car Wash as long as the receipts for the gasoline exceed 50% of the total sales

Ineligible Exposures:

• Wand Car Washes