Forecourt insurance

We can arrange a robust package of insurance for your independent forecourt business – and we’ll even shop around to find just the right deal for you.

Insurance for your new forecourt

Are you buying an independent forecourt? Whether it’s your first or you’re adding to a portfolio, we offer the complete package of insurance to suit your needs.

As the insurance arm of Christie & Co, we’ll arrange just the right forecourt insurance for you. We have over 35 years’ experience taking care of insurance for independent forecourt businesses, so we understand your risks and your concerns.

We work with leading forecourt insurers

We’re an independent broker, so we don’t just have one product. We can find the insurance which best suits your needs, at the right price, from a range of insurers such as Aviva, AXA, Allianz, NIG, RSA, Zurich and more.

Key covers as standard

We offer policies to suit each forecourt business, but a typical policy includes:

  • Your buildings, including cover for canopies, pumps, signs and tanks
  • Stock, including fuel and stock in the open
  • Loss of gross profit up to £500,000 (higher limits are available) and a 24-month indemnity period
  • Employer’s liability of £10m, covering injuries to your staff
  • Public and products liability of £5m, covering injuries to your customers and damage to their property
  • Theft or loss of money
  • Damage to cashpoints (internal and external)
  • Damage to fixtures or stock in transit (excluding fuel)
  • Legal fees arising from employment disputes
  • Personal accident cover for employees, including fixed payments to you if they are injured while working for you, without the need for recourse to legal proceedings
  • Emergency spillage clean-up costs

Optional extras

  • Environmental impairment cover for any costs you incur in remedying leaks/spillages from underground tanks.

We can help beyond arranging insurance

Filling station licensees and employers must ensure that anyone who receives petrol deliveries must be able to prove their competence through training and experience, so we can connect you with an environmental and health & safety company for training in fuel delivery. We also provide access to a fast-acting 24-hour spillage response team:

  • Level 1 – Advice over the phone
  • Level 2 – Expert advice provided on the scene within 2 hours
  • Level 3 – Clean-up of spillage plus incident resolution by UKSpill accredited contractors.

Personal support from named contacts

You’ll have the support of a dedicated account manager who will get to know you and your forecourt business personally. We also offer a superb claims service, with named claims managers.

To arrange a FREE insurance review or to get a quote, please get in touch.

We focus on the customer to make sure you get the protection you deserve

Key Features

We offer policies to suit different forecourt businesses, but a typical policy includes.

  • Buildings
  • Contents
  • Loss of profits (business interruption)
  • Employer's liability insurance
  • Public / Products liability cover
  • Stock of wines, spirits and other stock
  • Goods in transit
  • Loss of money
  • Loss of license
  • Glass breakage
  • Computer equipment
  • Guests' personal effects
  • Legal expenses cover
  • Passenger lift inspection

Our customer’s are at the heart of what we do:

No two businesses are the same. That’s why we don’t start with the policy we start with you. We’ll find out what matters to you and then search the insurance market to find the right cover.

What makes Christie insurance difference?

Buildings

Protect your property plus its fixtures & fittings

Business Interruption

Covering loss of income if you have to suspend trading

Contents

Taking care of your stock, furnishings & equipment

Employer's Liability

In case of compensation claims for employee injury or illness

Public Liability

In case of injury to a member of the public or their property

Find out more about business insurance