Operating a gas station requires a high level of responsibility toward customers, employees, and third parties. An incident related to the dispensing, storage, or handling of fuel can result in property damage, personal injury, and significant financial losses. Therefore, it is essential to have adequate protection.
Allianz Civil Liability Insurance for Gas Stations, available through Allianz and brokered by R2 Seguros, was developed to protect license holders operating gas stations and storage facilities for petroleum products. This is a mandatory insurance policy, designed to comply with current legislation and ensure financial protection for the business.
By adopting this solution, operators ensure compliance with legal requirements and reduce the financial impact of any claims for damages caused to third parties.
Who is Gas Station Liability Insurance intended for?
Civil Liability Insurance for Gas Stations is intended for holders of operating licenses for:
- Gas stations;
- Storage facilities for petroleum products.
This solution is designed for companies engaged in this activity that need to comply with applicable Portuguese law.
It is important to note that this insurance is not suitable for:
- Storage facilities integrated into industrial processing plants for crude oil, its derivatives, and waste products;
- Natural gas storage facilities;
- LPG facilities used for assembly, which are subject to another type of mandatory insurance.
Why is this insurance required?
The operation of gas stations is subject to specific legal requirements designed to protect customers, employees, and third parties.
Portuguese law requires that operating license holders have civil liability insurance to cover damages that may be caused in the course of their business activities.
Allianz's Civil Liability Insurance for Gas Stations allows you to comply with this legal obligation, ensuring that your business operates with the required protection.
Benefits of Civil Liability Insurance for Gas Stations
Among the main advantages of this solution are:
- Compliance with legal requirements;
- Financial protection against third-party claims;
- Liability insurance coverage for the operation of the gas station;
- A simple solution tailored to the business;
- Specialized support provided by R2 Seguros;
- Greater security for the holder of the operating license.
What Does Civil Liability Insurance for Gas Stations Cover?
Civil Liability Insurance for Gas Stations covers civil liability arising from the operation of a gas station or storage facility.
The coverage applies to damages caused to third parties resulting from acts or omissions of the insured or persons in their employ, whenever civil liability can be attributed to the operator of the facility.
The following fuels are covered under the policy:
- Gasoline;
- Diesel;
- Fuel oil;
- Jet Fuel;
- Fuel oils;
- LPG (commercial propane and butane);
- Other petroleum products.
What is not included?
As with other types of liability insurance, there are some important exclusions.
Among them, the following stand out:
- Damages resulting from ancillary activities other than the gas station's primary business;
- Damage caused by fuel changes made by the supplier or the user;
- Damage caused to the storage facility itself, tanks, or auxiliary equipment.
It is important to always review the terms and conditions of the contract to be aware of all applicable exclusions.
What is the minimum required capital?
Currently, the minimum required capital for this insurance is €1,595,300, an amount required of the holder of the operating license.
This amount may be adjusted annually, in accordance with applicable law and changes in the Consumer Price Index.
How much does liability insurance for gas stations cost?
Allianz’s Civil Liability Insurance for Gas Stations features a base premium per gas station, and an deductible applies in the event of claim.
To receive a quote tailored to your company and learn about all the terms and conditions of the policy, we recommend requesting a personalized quote from R2 Seguros.
What Does Civil Liability Insurance for Gas Stations Cover?
This insurance provides financial protection against claims that may be owed to third parties as a result of the operation of the gas station.
In this way, it helps ensure business continuity by reducing the economic impact of any accidents or incidents that give rise to civil liability.
Applicable Law
Civil Liability Insurance for Gas Stations complies with Portuguese legislation governing the operation of these facilities, specifically:
- Decree-Law No. 267/2002, of November 26;
- Order No. 9288/2015.
Compliance with these obligations is essential for the legal operation of gas stations and fuel storage facilities.
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Why purchase Civil Liability Insurance for Gas Stations through R2 Seguros?
R2 Seguros offers specialized assistance in purchasing mandatory insurance for companies and regulated activities.
When you purchase a policy through R2 Seguros, you’ll enjoy the following benefits:
- Expert advice;
- Support throughout the entire hiring process;
- Clarification of legal obligations;
- Assistance in the event of claim;
- Solutions tailored to your company's needs.
