The ONE Fuel Station Insurance Policy is designed for the unique risks of the fuel-retail industry and is aimed at all fuel stations and related business enterprises on the premises of fuel stations such as convenience stores, food outlets and car washes.
Key Benefits
Cash in transit, credit-card fraud and personal accident assault under the money section
Forecourt liability covering negligence in the event of employees dispensing the incorrect grade of fuel into customer’s vehicles, causing damage to the vehicle
Automatic Extensions under the Fire section:
Fuel leakage
Contamination of fuel
Subsidence and Landslip
Contents of fridges and freezers
Shade netting
Blinds, signage and canopies
Vehicles on premises
Fatal injury
Damage to gardens, landscaping and playgrounds
Claims preparation costs
Automatic Extensions under the Business Interruption section:
Additional increase in cost of working
Customers – unspecified
Suppliers – specified
Prevention of access – Extended cover
Public utilities – Extended cover
Public telecommunications – Extended cover
Accidental damage
Claims preparation costs
Franchise and Royalties (must be part of fixed expenses)
Automatic Extensions under the Theft section:
Damage to buildings
Malicious damage to contents
Locks and keys
Cost of boarding up
Automatic Extensions under the Money section:
Clothing and personal effects
Locks and keys
Cash till limits (combined)
Credit card extension (includes customers absconding before payment)
Petrol attendants
Virtual airtime
Bilking
Personal accident assault
Automatic Extensions under the Broadform Liability section include:
Wrongful arrest and defamation
Legal defence costs
Food poisoning
Fire extinguishing costs
Environmental Impairment Liability (EIL) which provides cover for clean-up costs arising from:
Spillage above ground, or
A leak from a pipe or an underground tank arising from slow and gradual causes
As per legal principles, the polluter is liable for pollution. The policy provides indemnity for all clean-up costs incurred to remove and de-activate the petroleum product and remediate the soil or ground water. Legal representation and investigator’s costs are included.