Retail Service Station: Products
> Automotive Gasoline Service Station & Convenient 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. Full service car washes are not eligible.
- 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 ExposuresThis list does not include ALL ineligible exposures; for more information you would need to contact AMC.
- 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.
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