A market guide for independent insurance agents. Last reviewed: June 2026.
Gas station placement is really two placements: the package/GL (where programs and a few admitted carriers compete) and the UST pollution policy that is never in the package. Federal financial responsibility for petroleum marketers is $1M/$1M, and tank age, construction, and tightness-test history decide whether you get a quote at all.
Distribution matters here: Federated — the association-endorsed heavyweight — is a direct writer, so independent agents compete against it with EMC, Society (Upper Midwest), and the MGA programs below.
Markets identified through editorial research (June 2026) and agent placement discussions. Items marked "verify" carry details we could not confirm at the primary source.
| Market / Program | Type | How Agents Access It | Notes |
|---|---|---|---|
| EMC Insurance | Admitted | Independent agents | Petroleum marketers via independent agents with dedicated loss control — the main IA-channel answer to Federated. |
| Society Insurance | Admitted regional | Appointed agents (WI, IL, IN, IA, MN, TN, CO, GA) | Dedicated gas station & c-store package. |
| Novatae (C-Store & Gas Station program) | MGA program | Retail agents, ~26 states | 30+ year program (absorbed American Management Corp). |
| Greenwood General | MGA | Broker submission | Gas station & c-store program incl. liquor liability and 24-hour operations, 48 states. |
| Covenant Underwriters | MGA program | Submission (49 states) | C-store with gas station package incl. UST exposure handling. |
| Federated Insurance (Petro Shield) | Admitted mutual — direct writer | Federated reps only | The association-endorsed incumbent (Energy Marketers of America + state associations). Know it as the competitor. |
| Amwins Storage Tanks Program | E&S program | Via Amwins | Leading national UST/AST tank pollution writer, 50 states + DC. |
| Great American TankAssure / Chubb TankSafe / Mid-Continent | Admitted environmental | Appointed agents | UST/AST pollution satisfying federal/state financial responsibility. EPA publishes the full insurer list. |
Real placement discussions from independent agents about gas station & convenience store insurance.
See all Gas Station & Convenience Store Insurance discussions →
No. UST pollution is a separate placement — Amwins' tank program, Great American TankAssure, Chubb TankSafe, or another insurer from the EPA's financial-responsibility list.
In the independent agent channel: EMC (with petroleum loss control), Society in the Upper Midwest, and MGA programs from Novatae, Greenwood General, and Covenant.
Old single-wall tanks without test history, undisclosed food service or liquor, and 24-hour operation in high-crime areas without controls. Get tank documentation before you shop it.