Gasoline Stations--Full Service

What Does GL Code 13453 Cover?

ISO GL class code 13453 covers gasoline stations that provide full-service operations, including pumping fuel, checking fluids, and performing minor maintenance or repairs. This code specifically classifies businesses where employees handle fuel dispensing and interact directly with vehicles for service, differentiating it from self-service stations. It encompasses the general liability exposures associated with fuel handling, customer service, and vehicle interactions on the premises.

Who Uses This Class Code?

Businesses that fall under this code include traditional full-service gas stations, service stations offering fuel alongside basic vehicle checks, and automotive service centers where fuel is dispensed by attendants. This also applies to establishments where employees are primarily responsible for fueling customer vehicles and providing ancillary services.

Common GL Claims for This Class

Common claims include slip-and-fall incidents on wet or oily surfaces, property damage from fuel spills during dispensing, and injuries sustained by customers during vehicle servicing or maintenance performed by attendants.

Coverage Tips for Code 13453

• Ensure your policy includes coverage for pollution liability, especially for underground storage tanks and potential fuel spills during dispensing.
• Verify that your general liability policy extends to cover operations involving vehicle lifts or repair bays if minor maintenance is performed on-site.
• Implement strict safety protocols for fuel handling and employee training to mitigate fire hazards and potential customer injuries.
• In Florida, be aware of specific regulations regarding fuel storage and dispensing, as non-compliance can lead to significant fines and increased liability.