FUEL STATIONS INSURANCE

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.

This forms part of our Commercial General Insurance Solution