| Lathrop & San Joaquin County
Lathrop • San Joaquin County

Gas Station Workers’ Compensation Insurance

Protect Your Team — Protect Your Business

Gas stations and c-stores face unique risks — from slip and fall injuries near pumps to fuel-related burns and late-night robberies. Workers’ compensation helps pay for medical care and lost wages if an employee is hurt on the job, and it keeps you compliant with California law. :contentReference[oaicite:0]{index=0}

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Why Your Gas Station Needs Workers’ Comp

It’s the Law in California

Any employer with employees must secure workers’ compensation coverage (or approved self-insurance) under California Labor Code §3700. :contentReference[oaicite:1]{index=1}

Not carrying coverage can trigger a stop-order from the Labor Commissioner and additional penalties. :contentReference[oaicite:2]{index=2}

It Protects Your People & Your Business

  • Medical treatment & wage replacement after a covered injury
  • Permanent disability & death benefits where applicable
  • Employer’s liability coverage for certain suits not covered by comp

Coverage specifics follow California rules and your policy forms.

Top Injury Risks at Gas Stations & C-Stores

Slips, Trips & Falls

Wet forecourts, sudden spills, and uneven surfaces raise the likelihood of slips and falls near pumps and entrances.

Fuel Handling & Fire

Ignition sources must be controlled during fueling operations; safe procedures and signage are critical near pumps and storage. :contentReference[oaicite:3]{index=3}

Late-Night Robbery

Gas stations and convenience stores experience higher rates of robbery-related violence; environmental design and staffing practices can reduce risk. :contentReference[oaicite:4]{index=4}

What Workers’ Comp Covers

  • Reasonable medical care for job-related injuries or illness
  • Temporary disability (wage replacement) while recovering
  • Permanent disability benefits when applicable
  • Death benefits to dependents for fatal injuries

Employers must provide the DWC-1 claim form to the employee within one working day of learning of an injury. :contentReference[oaicite:5]{index=5}

What Drives Your Premium

  • Payroll & job classifications (accurate coding prevents overpaying)
  • Experience Modification (X-Mod) — your loss history vs. industry average
  • Safety programs & return-to-work plans that reduce claim costs

Learn how X-Mods work in California from the WCIRB. :contentReference[oaicite:6]{index=6}

Stay Compliant & Claim-Ready

Post-Injury Next Steps

Give the employee the DWC-1 claim form within one working day, report the injury to your insurer promptly, and document your investigation. :contentReference[oaicite:7]{index=7}

Stop-Order Risk

Operating without coverage can lead to a stop-order and additional penalties until insurance is secured. :contentReference[oaicite:8]{index=8}

Owner/Officer Options

Eligible owners or officers may be able to exclude themselves via written waiver; confirm eligibility and impacts on premium before proceeding. :contentReference[oaicite:9]{index=9}

Safety that Lowers Claims

  • Written fuel-handling procedures; no ignition sources near pumps
  • Spill response kits and housekeeping checklists per shift
  • Robbery-deterrence design: clear sightlines, drop safes, limited cash, signage
  • Late-night staffing policies and employee training
  • Transitional/modified duty to speed return-to-work

See OSHA/NIOSH guidance for late-night retail and gas stations. :contentReference[oaicite:10]{index=10}

Prefer a Public Option?

JSSR works with multiple private carriers and California’s State Compensation Insurance Fund (State Fund) to keep coverage accessible and competitively priced. :contentReference[oaicite:11]{index=11}

Compare Options

Why Gas Stations Choose JSSR Insurance Agency

Local Expertise

We understand San Joaquin County operations and carrier appetites for c-store risks.

Classification Review

We verify roles (cashiers, attendants, managers) are coded correctly so you don’t overpay.

Claim-Smart Strategy

Safety audits and return-to-work plans support a lower X-Mod over time. :contentReference[oaicite:12]{index=12}

Start My Workers’ Comp Quote Call (209) 701-6900

Gas Station Workers’ Comp — FAQs

Is workers’ comp required if I have only one employee?
Yes. California Labor Code §3700 requires employers to secure workers’ compensation insurance (or approved self-insurance). :contentReference[oaicite:13]{index=13}
What are the consequences of not having coverage?
The Labor Commissioner can issue a stop-order and penalties prohibiting use of employee labor until coverage is obtained; criminal penalties may also apply. :contentReference[oaicite:14]{index=14}
How quickly must I provide the DWC-1 claim form?
Within one working day of learning about the injury, you must provide the DWC-1 to the employee. :contentReference[oaicite:15]{index=15}
Can owners or officers be excluded from coverage?
Some owners/officers can be excluded with a proper written waiver; confirm eligibility and how it affects payroll and premiums. :contentReference[oaicite:16]{index=16}
What is an Experience Modification (X-Mod)?
It compares your claim experience to your industry’s average and adjusts your premium up or down accordingly. :contentReference[oaicite:17]{index=17}