Underground Storage Tank Pollution and the Missouri PST Fund
Every Missouri gas station with underground storage tanks (USTs) is required to demonstrate financial responsibility for pollution — typically through the Missouri Petroleum Storage Tank Insurance Fund (PST Fund) combined with a private pollution policy for the deductible layer. The state PST Fund covers up to $1M per event above a $10,000 deductible for eligible tanks, but not every tank qualifies and the paperwork is non-trivial. dealoutlaws.com coordinates the private pollution layer (usually $1M-$5M) with the state fund enrollment so there’s no gap between the two, and files the annual attestation with MoDNR on your behalf.
C-Store Property, Contents, and Business Income
Convenience store property is high-value and high-density — coolers, freezers, fuel dispensers, POS systems, and inventory. Equipment breakdown coverage is essential (a walk-in cooler failure = $30K in spoilage), business income should be sized at 6-12 months (fuel-supply loss + rebuild time is long), and contents should be at replacement cost with a seasonal inventory factor for slush machines, ice cream, and beer inventory. We also add sign coverage, canopy coverage (Missouri hail is brutal on gas station canopies), and inventory-fluctuation endorsements so the coverage automatically follows peak inventory during summer and holiday weekends.
Liquor, Tobacco, Lottery, and Slip-and-Fall Exposure
Missouri gas stations selling beer and wine need dram-shop-style liquor liability with sales-to-minors coverage. Lottery sales create an inventory-cash-handling exposure best paired with crime coverage. Slip-and-fall is the #1 GL loss driver at c-stores — icy sidewalks in winter, wet fuel-pump aprons in summer. We add higher GL limits ($1M/$2M standard, $2M/$4M for higher-traffic locations) and explicit slip-and-fall coverage with a plaintiff-friendly settlement approach. On tobacco-heavy locations we also confirm the policy doesn’t exclude flavored-product recall or age-verification failures.
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