Convenience Stores Insurance
Coverage recommendations, carrier options, and cost estimates for convenience stores businesses — what you need, what it costs, and how to get covered.
Recommended Coverages
BOP
essentialBundles general liability, commercial property, and business income/extra expense into one policy. For Convenience Stores businesses, key exposures include slip-and-fall. Common claims include slip-and-fall on wet floor.
$1M GL per occurrence / $2M aggregate; Property limits vary by business personal property and building values
$500 - $3,500/year for low-risk small businesses; $3,000 - $10,000+ for higher-revenue or higher-risk classes
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. For Convenience Stores businesses, key exposures include slip-and-fall. Common claims include slip-and-fall on wet floor.
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Workers Comp
recommendedMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job. Common claims include employee injury during robbery.
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Based on payroll × class code rate × experience mod. Ranges from $0.50 to $30+ per $100 of payroll depending on classification
Crime Insurance
recommendedProtects Convenience Stores businesses against losses from employee theft, robbery, forgery, and other criminal acts. Common claims include robbery/theft.
Varies by carrier and state
Varies by business size and risk profile
Liquor Liability
situationalThird-party bodily injury, property damage, personal and advertising injury arising from business operations. For Convenience Stores businesses, key exposures include liquor liability if beer/wine sold. Agent note: Liquor liability required if selling alcohol — rates vary by state and alcohol percentage
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
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Risk Profile
Physical
Liability
Professional
Property
Top Risks
- Robbery and theft
- Slip-and-fall
- Product liability from food/drink
- Liquor liability if beer/wine sold
- Late-night operations safety
Carriers That Write Convenience Stores
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Digital-first carrier optimized for micro-to-small businesses. Fast quoting process with broad class appetite and competitive pricing for straightforward risks.
Cost Estimate
$1,500 - $8,000 for businesses with $500K - $3M revenue
Key Pricing Factors
- Annual revenue ($500K - $3M is typical for this class)
- Employee count (3-12 is typical)
- Location (urban vs suburban)
- Hours of operation
- Alcohol sales percentage
- Security measures