Summer in Texas brings more heat, more storms, and more travelers. For gas station owners, that means more risks and the need to make sure your insurance covers them.
Here are the top summer risks for gas stations in Texas and what kind of insurance you might need.
1. Extreme Heat & Fire Risk
Where: West and Central Texas
- Texas summers can reach over 100°F.
- Dry land and high heat increase the risk of fire.
- Gas and fuel become more dangerous in this heat.
- Gas stations near dry grass or trees are at higher risk for wildfires.
Insurance tips:
- Make sure your property insurance covers fire damage.
- Some insurers may ask for or reward:
- Fire sprinklers or suppression systems
- Cleared areas around your station (called defensible space)
2. Hurricanes & Big Storms
Where: Southeast Texas and the Gulf Coast (Houston, Galveston)
- Hurricane season is from June to November.
- These storms bring strong winds, flooding, and power loss.
- Gas stations can get damaged or shut down for days.
Insurance tips:
- Check if you have windstorm and flood coverage (these are often not in basic plans).
- Get business interruption insurance to cover lost income if your station closes.
- You may need special storm insurance from TWIA (Texas Windstorm Insurance Association).
3. More Summer Travelers = More Risk
Where: All across Texas, especially highways and tourist areas
- Summer brings more cars and people to gas stations.
- This can lead to:
- More accidents
- Fuel spills
- People slipping or falling
- Employee injuries from busier shifts
Insurance tips:
- You need strong general liability insurance to cover injuries or damage.
- Add environmental insurance to cover spills or fuel leaks.
- Make sure your workers' comp insurance is current and covers all staff.
Final Tip: Check Your Insurance Before Trouble Hits
- Don’t wait for a fire or storm to find out you're not covered.
- Talk to your insurance provider now.
- Make sure your policies match your station’s risks this summer.
Contact Hawk's Bay Insurance Group Today!
For local, reliable, and experienced service, contact Hawk's Bay Insurance Group. We are your BBB accredited and D Best Award-winning insurance experts — ready to help protect your gas station from Texas' toughest summer risks. Get in touch today and ensure you’re fully covered for the season ahead!