I recently opened a small gas station with a convenience store, and figuring out the insurance side was honestly way more complicated than I expected. A lot of providers lump things together, but not everything applies to the type of business I’m running.
What really helped was working with an insurance partner who specializes in convenience store with gas station insurance. They broke down exactly what I needed—liability, property, pumps, and even customer injury coverage—without tacking on a bunch of extras I didn’t need.
If you’re in this space, I’d say skip the generic quotes and find someone who knows how these operations actually work.