Gasoline Stations--Self-Service

What Does GL Code 13454 Cover?

ISO GL class code 13454 applies to self-service gasoline stations, encompassing operations where customers dispense fuel themselves. This code covers the general liability exposures associated with the retail sale of gasoline, convenience store operations, and incidental services typically found at such establishments. It classifies businesses based on their gross receipts, reflecting the volume of their operations.

Who Uses This Class Code?

Businesses that fall under this code include standalone self-service gas stations, convenience stores with self-service fuel pumps, and truck stops offering self-service gasoline. This also covers establishments where the primary business is fuel sales, even if they offer minor ancillary services like car washes or basic auto supplies.

Common GL Claims for This Class

Common general liability claims for self-service gas stations include slip and fall accidents on wet pavement or spilled fuel, property damage from vehicle collisions with pumps or signage, and environmental damage due to fuel leaks or spills.

Coverage Tips for Code 13454

• Ensure your policy includes coverage for pollution liability, especially for underground storage tanks and potential fuel spills.
• Verify that your general liability policy extends to cover slip and fall incidents on wet or oily surfaces around the pumps and in the convenience store.
• Understand the specific requirements for fire suppression systems and hazardous material handling in Florida, as these can impact your insurability and claims.
• Regularly review your gross receipts to ensure accurate reporting to your insurer, as discrepancies can lead to audit penalties or coverage issues.