Petroleum Distributors

General Star provides specialized coverage for petroleum dealers and distributors.

Coverage Offered

• Excess Commercial General Liability including Products and Completed Operations
• Excess Commercial Auto Liability including broadened pollution CA9948 follow form
• Excess Liquor Liability
• Excess Employers Liability
• Follow Form Assault & Battery; Erroneous Delivery, Failure to Supply, Punitive Damages

Risk Appetite

Petroleum operations (including start-ups) in the following operations:

• Fuel Oil, Home Heating Oil, Gasoline, Diesel, Liquid Propane Gas(LPG) Distribution
• Both Wholesale and Retail operations
• Retail gas stations w/ convenience stores, auto repair, and car washes
• Bulk Storage Facilities

Ineligible Exposures

• Petroleum Refineries
• Grain Elevator, Fertilizer/Seed Manufacturing
• Truck Brokerage Operations

Minimum Underlying Requirements (AM Best Rated A- VI or better)

• $1,000,000 CSL for Auto
• $1,000,000/$1,000,000/$1,000,000/$1,000,000 for General Liability
• $500,000/$500,000/$500,000 for Employers Liability
• $1,000,000/$1,000,000 for Liquor Liability

Limits Offered

• $5,000,0000, with $10,000,000 capacity available on certain risks

Submission Requirements

• Completed and signed application providing details on all operations and including annual gallonage, revenues, payroll, auto fleet, and 5 years currently valued loss runs