Insurance for convenience stores.

Property, general liability, liquor liability for beer and wine, crime, and spoilage for convenience stores, with or without fuel pumps out front.

What convenience stores usually carry

General liability, $1M / $2M
Property and coolers
Liquor liability
Crime and robbery
Spoilage
Storage tank pollution
Workers’ comp

Watch for these in a convenience store policy

Beer and wine to goSelling packaged beer and wine still puts you in the business of selling alcohol, so the liquor exclusion on general liability applies to you.
Fuel tanksUnderground fuel tanks usually need a separate storage tank policy. General liability excludes most pollution, and tank owners must show they can pay for a cleanup.
Tobacco and vapesMany policies exclude injuries from tobacco and vaping products, including battery fires. Ask before you add a vape wall.
Lottery ticketsStandard property forms often cap stolen lottery tickets at a very small amount. Crime coverage for money and securities can pick them up.
Late-night robberyStores open late see more robberies. Carriers often ask about drop safes, cameras, and how much cash stays in the register overnight.

What landlords and fuel suppliers ask convenience stores for

Additional insuredYour landlord, on general liability and often on liquor liability.
Pollution coverageFuel suppliers and lenders ask for storage tank coverage if you sell gas.
UmbrellaFuel supply agreements often require an umbrella over your general liability.
Waiver of subrogationStandard in most retail leases.

Questions convenience stores ask

Straight answers.

The questions we hear most, answered plainly.

How is convenience store insurance priced?

General liability is rated on sales, with alcohol, tobacco, and fuel counted separately. Hours, location, and security like cameras and drop safes move property and crime.

Is food in my coolers covered if the power goes out?

Spoilage from a breakdown inside your store is covered with equipment breakdown. Spoilage from a utility outage down the street needs utility service coverage.