End of the agricultural season
6 min
Service stations and retailers
Insurance for service stations and agents in the Harnois network
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Coverage suited to the reality of Harnois stations
A Harnois station combines several activities under one roof. Fuel sales, convenience store, and car wash: each service carries a different risk. This program addresses every aspect.
The included coverages match the everyday situations operators face.
- Your property and contents: Contents are insured based on your actual needs. Coverage applies in cases of fire, theft, vandalism, or water damage.
- Your general liability: The general liability limit is high. It protects against bodily injury, property damage, and tenant’s liability. Sudden and accidental pollution coverage is also included.
- Your equipment: Equipment breakdown is covered up to the limit on contents. The resulting business interruption is also covered for a period of 12 or 24 months, depending on the option chosen.
- Crime and cybersecurity: Crime coverage protects against embezzlement, theft, and computer fraud.
All coverages apply in Quebec, Ontario, and the Maritime provinces.
Do you operate or work at a Harnois network member station? Exclusive discounts on your personal auto and home insurance are available to you as well.
A collaboration between Harnois Énergies and La Turquoise
The terms were established based on the actual operations of network stations. Harnois agents and affiliates benefit from coverage tailored to their sector.
You are leaving La turquoise’s website
This link leads to the website of Harnois Énergies, a partner in this program. You’ll find more information on the network there.
Protections included in the Harnois program
See what the program covers- General liability: a customer slips at the entrance to your station; a vehicle is damaged near your pumps. This coverage protects against bodily injury or property damage caused to a third party in the course of your operations.
- Tenant’s liability: do you occupy your premises as a tenant? This coverage protects your liability toward the landlord in the event of a loss in the building.
- Sudden and accidental pollution: a fuel spill causes damage to a third party. This coverage protects your general liability for incidents occurring within 120 hours.
- Your property and equipment: your contents, your car wash equipment, and your refrigerators are covered against damage. A breakdown, water damage, or fire: repairs or replacements are covered at replacement costs.
- Business interruption: a loss forces the temporary closure of your station. This coverage covers your losses during the interruption period, for 12 or 24 months depending on the option chosen.
- Theft and crime protection: the loss results from a dishonest employee, burglary, or computer fraud.
- Cybersecurity: a cyberattack disables your payment or management systems. This coverage covers recovery costs and the resulting business interruption losses.
- Legal and HR assistance: access to legal advice and a human resources assistance service. These support you through complex everyday situations.
What your collaboration with Harnois Énergies brings you
Discover my advantages- Collectively negotiated pricing: the program was developed in collaboration with Harnois Énergies. You benefit from terms an operator wouldn’t obtain alone when negotiating with an insurer.
- Coverage tailored to service stations: no need to look for endorsements or negotiate add-ons. The risks specific to your sector are covered as standard, including fuel sales, car washes, and convenience store operations.
- One policy to cover everything: property, general liability, equipment breakdown, crime, and cybersecurity in a single program. One station, one contract.
- No coinsurance clause: you’re indemnified at the actual value of your property, with no reduction for underinsurance. A rare feature in standard commercial programs.
- Replacement cost coverage: your property is replaced with no deduction for depreciation. What you have, you can replace.
- A predictable premium based on your reality: pricing is set according to two clear categories, with or without a car wash. You know what to expect from the quote.
- Direct access to a specialized broker: La Turquoise knows the Harnois sector and manages your file. You have a representative who works for you, not for the insurer.
- A program that evolves with the network: the agreement between Harnois Énergies and La Turquoise is reviewed annually. You benefit from a program that adjusts to the realities of your industry.
Save on your premium
La Turquoise’s insurance brokers will help you find the discounts that apply to your situation. These savings vary depending on your profile and coverage. They make it easy to lower your rates.
Car and home insurance discounts
Bundling auto and home insurance with La Turquoise can lower the premium. The broker explains the possible savings based on the situation.
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Multiple vehicles
Bundling insurance policies with the same provider may qualify the policyholder for a discount. This option often applies when multiple drivers from the same household are insured together.
Safe driver/personalized premium program (based on driving habits)
A claims-free driving record may qualify for a discount. Some insurers also offer a program that analyzes driving habits and adjusts the premium accordingly.
Recommended coverages
The plan covers professional liability and general liability. Extra coverage may be available to supplement the policy depending on the situation.
Cyber risk insurance
Your station processes payments, manages computer systems, and stores customer data. A cyberattack can paralyze your operations within hours. This coverage covers recovery costs and business interruption losses in the event of a cyber incident.
Learn more about cyber insurance- Ransomware locks down your payment systems at the pump.
- Unauthorized access exposes your customers’ payment data.
- A cyberattack renders your cash register unusable.
Flood and sewer back-up
A service station often includes underground tanks and water-sensitive installations. This coverage covers damage caused by rising water, overflowing waterways, and sewer back-up. Eligibility is confirmed based on your station’s location.
- Heavy rain floods your underground tank pit.
- A sewer back-up damages your car wash equipment.
- Rapid snowmelt causes seepage into your convenience store.
Extended business interruption
Your program includes base coverage for business interruption. Depending on the severity of a loss, a full resumption of operations can take more than a year. A 24-month extension is available for situations that warrant it.
- A major fire requires a complete rebuild of your station.
- A structural loss delays reopening beyond 12 months.
- Decontamination work unexpectedly extends the closure.
Your questions about insurance for Harnois network service stations
Operating a Harnois station often raises insurance questions. Types of coverage, obligations, pricing, or handling a loss: this section gathers answers to the most frequent questions. It aims to inform your decisions based on the realities specific to the Harnois network and the Quebec context.
A service station must carry general liability insurance to cover damage caused to third parties. This requirement applies regardless of the establishment’s size or the services offered.
Beyond this basic requirement, other coverages are strongly recommended to ensure continuity of operations. Property coverage, business interruption, and crime coverage are among the essential protections for a service station operator.
Stations holding a propane permit are subject to additional requirements from the Régie du bâtiment du Québec (RBQ). A specific endorsement must be added to their policy to meet these obligations.
A standalone convenience store has a risk profile limited mainly to property coverage, general liability, and crime. A service station carries significant additional risks. Fuel sales, underground tanks, car wash operations, and specialized equipment create exposures. Standard convenience store insurance doesn’t cover these exposures.
A Harnois station combines both realities under one roof. Its insurance must account for all authorized activities, installations, and risks specific to this operating model. That’s exactly why the Harnois program was created.
Yes. The program includes coverage for equipment breakdown. It covers physical damage caused by a sudden and accidental breakdown of a machine or of mechanical, electrical, or electronic equipment.
This coverage is particularly important for a service station. A pump payment system failure, a compressor breakdown, or a car wash equipment failure can interrupt your operations quickly.
The coverage also includes the business interruption resulting from the breakdown. Interrupted activities are covered during the recovery period, for 12 or 24 months depending on the option chosen.
Yes. Having a car wash changes the risk profile and the pricing. The Harnois program distinguishes two operating categories to reflect this reality.
The first category covers fuel sales and convenience store operations without a car wash. The second category includes an automatic or self-service car wash in addition to the other activities.
Each category corresponds to a distinct premium set at the time of the quote. A broker can help determine which category applies to your situation and whether adjustments are needed based on the services offered.
A dedicated program accounts for the authorized activities, installations, and requirements specific to the Harnois network. It offers a more consistent coverage structure than a generic commercial policy.
In practice, this brings several advantages. Terms were negotiated collectively with Harnois Énergies. Activities specific to the network are covered as standard with no added endorsements. Pricing is set according to two clear categories. Coverage applies in Quebec, Ontario, and the Maritime provinces.
An operator who takes out a standard commercial policy will often need to justify their business model to the insurer and negotiate add-ons one by one. The Harnois program eliminates that process.
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