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For retail gasoline stations
Our coverage has a higher octane rating
Our Deluxe Insurance Program for Retail Gasoline Stations gives you a richer blend of
insurance protection than most garage policies you’ll find. Our package includes the
special coverages you need for your business, plus you can add plenty of optional
coverages and related life insurance protection. The result is a unique business owners
package that is very good for your business. Whether you deal strictly in pumping gas, or
offer one-stop convenience shopping complete with repair and car wash facilities,
we’re equipped to cover everything from your fuel tanks and tools to your supply of
maps and milk.
If you’d like to learn more about this special program, contact an agent in your area. Or, get in touch with our office nearest you.
High-test property coverage for the price of regular
Our program begins with solid insurance protection for your buildings, pump islands,
canopies, above- and below-ground fuel tanks (and their contents), and practically every
item your business may own or hold in its care. Your property is insured on a replacement
cost basis—with no coinsurance penalties—against fire, explosion, damage from
vehicles (other than yours), burglary and robbery and most other causes of loss.
We also provide unlimited business income and extra expense coverage for up to a full
year. Within that year, we’ll continue coverage for up to 30 days after repairs
are complete if your income has not returned to normal levels.
Your property coverage also includes these extraordinary features geared to your
specific needs:
- Money, credit card slips, checks and other securities that are stolen or
destroyed on or off your premises.
- Leased property damaged by vehicles, trailers or an auto hoist collision.
- Personal belongings of others that are stolen or destroyed on your premises while
in your care.
- Food spoilage caused by mechanical breakdown of refrigeration equipment.
- Pollution cleanup required as a result of fire or other covered losses.
- "Reward money" for information leading to an arson or theft conviction
following a covered fire or theft loss.
- Coverage to prepare inventories, appraisals and other data you may be asked to
provide in connection with a claim settlement.
Plus other special additives are automatically included:
- Business income and extra expense
- Accounts receivable
- Business personal property off premises
- Valuable papers & records
- Trees/shrubs/plants
- Employees’ tools
- Sewer/drain backup
- Fire department service charge
- Vandalism to rented buildings
A full tank of liability coverage
Our comprehensive liability coverage protects you against damage and injury claims
arising from all operations and premises you own, lease or manage. You are also protected
if, due to your negligence, a product you sell (whether gas or groceries) or work you
perform causes damage or injury. Beyond that, we include a host of special coverages that
are often "pay-for extras" or not available at all. Key among them is liability
protection for damage you accidentally cause to:
A customer’s auto We provide comprehensive and collision coverage on a
legal liability basis.
A building you rent Fire loss is covered.
Optional coverages for your business
We offer over 35 options to help you customize your insurance program, including:
- Owned autos Liability and physical damage coverage is custom-rated to your
operation.
- Exterior and interior glass Specifically insures your building glass against
breakage and eliminates your deductible and dollar limitations for individual panes.
- CompuPak® Comprehensive coverage to insure your information processing systems
against mechanical breakdown, electrical or magnetic erasure of tapes, sabotage and many
other types of loss. Covers both your hardware and software.
- Systems breakdown For heating, air conditioning and electrical systems used to
maintain your business.
- Group coverages Group term life and short-term or long-term disability coverage
is available to protect—and help you retain—your employees. The cost is
surprisingly low.
- Employee dishonesty With your choice of limits per occurrence.
- Building ordinance or law coverage To cover increased costs in construction
related to local or federal regulations.
- Employment practices liability This coverage protects you against loss resulting
from a wide range of employee lawsuits, including discrimination, sexual harassment and
wrongful termination.
- Employee benefits liability coverage To protect you against errors and omissions
in administering your employee plans.
- Low-cost fidelity bond If you provide a qualified pension plan, this is the ideal
way to meet your legal requirements (ERISA) to protect plan participants against theft of
funds.
- Workers compensation Yes, this absolutely essential coverage is available for
your business. Ask your agent for details.
- Higher limits In addition to a wide selection of options, you may purchase higher
limits for most built-in coverage features, including: employees’ tools;
garagekeepers coverage; valuable papers and records; damage to leased property; fire legal
liability; and refrigerated food spoilage.
Life insurance to protect you and your business
We can also handle all of your business life insurance needs. Some examples include:
- Key employee coverage Designed to protect your business upon the loss of a key
employee. Funds can be used to find, hire and train a replacement, as well as compensate
for lost business during the transaction.
- Simplified pension plans Owners of small businesses can turn to either a SEP-IRA
or a Simple IRA to get the benefits of a qualified pension plan without the higher
administrative costs and paperwork hassles.
- Debt protection This coverage can secure the funds needed to pay off a
company’s debt upon the death of an owner, helping the business continue as a viable
entity during this difficult time.
- Non-qualified executive plans A business may want to reward key people in the
organization with such executive plans as deferred compensation, executive bonus and split
dollar coverage. Each plan rewards the executive while tying them more closely to the
continued success of the business.
Your other insurance needs
Harleysville offers a full line of products to cover all of your other business and
personal protection needs:
- Automobile For your business and personal use
- Homeowners Complete coverage for your personal property and liability needs
- Life Choose from a wide variety of life insurance plans to protect you and your
family
- Excess liability Broader coverage for losses above the limit of your underlying
policies
- Shipmate® Coverage for your boat and liability for protection for you
- And much, much more
Want to know more about our special program for retail gasoline stations? Contact an agent in your area, or get in touch with our office nearest you.
Note: These coverages are not available in all states. In the event
there are discrepancies between this information and your policy, the terms of your policy
will govern. Consult your independent insurance agent for more information.
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