Fuel & Propane Dealer Insurance Coverage Checklist
The coverages a fuel & propane dealer business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for propane and fuel dealers. Priorities reflect typical exposure for this class; confirm against your actual products, locations, and operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability (Products-Completed Ops) | Covers explosion claims years after a fill. | Core | |
| Commercial Auto (Hazmat / MCS-90) | Covers placarded bobtails on public roads. | Core | |
| Pollution Liability | Covers releases at plants and customer sites. | Core | |
| Umbrella / Excess | Adds limits for burn and explosion verdicts. | Core | |
| Workers' Compensation | Covers driver burns, strains, and hose handling. | Core | |
| Property (Bulk Plant) | Covers storage tanks, skids, and dispensers. | Core | |
| Inland Marine (Field Tanks) | Covers company-owned tanks on customers' land. | Prevalent | |
| Installation / Service E&O | Covers faulty leak checks or system design. | Prevalent | |
| Business Income | Covers a plant shutdown in peak season. | Prevalent | |
| Cargo / Transit Spill | Covers product lost or released in transport. | Situational |
The coverage gap most often missed
The gap most often missed by propane dealers is dormant tanks at closed accounts. The West Park verdict turned on a tank never removed or locked — outside the active-delivery exposure carriers usually rate. Confirm products-completed operations has no prior-work date limits, and report an accurate field tank inventory to the carrier.
Send us the checklist and we'll review your fuel & propane dealer coverage line by line, then market it across multiple carriers that compete for your account.
Related: Fuel & Propane Dealer Insurance · Fuel & Propane Dealer Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a fuel & propane dealer business need?
The core coverages for a fuel & propane dealer business are General Liability (Products-Completed Ops), Commercial Auto (Hazmat / MCS-90), Pollution Liability, Umbrella / Excess, Workers' Compensation, Property (Bulk Plant). This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my fuel & propane dealer coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.