Convenience Store Insurance

You can save up to 25% in discounts on business insurance.*

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Convenience store insurance can help protect you from

Theft

Your business is burglarized overnight and inventory was stolen. You need to replace it — fast.

Product liability

A customer claims a sweater you sold was treated with a chemical that caused an allergic reaction.

Advertising injury

A competitor sues you claiming that you copied the “look and feel” of their product listing.

Cyber

Criminals hack your store’s site, and now your customers’ payment information is compromised.

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Convenience store insurance designed to protect your business

Completely online, ERGO NEXT specializes in providing the right type of insurance for small businesses. We offer affordable coverage tailored to convenience stores so you are always protected against unpredictable events. The most common insurances packages bought by convenience stores include:

General liability
Workers’ compensation
Commercial auto
Commercial property

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Find the right convenience store insurance for you

We have all the business insurance you might need for your convenience store. And you save up to 10% when you bundle two or more of our policies.

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance provides financial protection if an accident happens at your convenience store business, such as a customer injury or damages to someone’s property. It also provides coverage if you have to defend an accusation of libel or slander.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

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Commercial Auto

For business owners who own or drive vehicles

Commercial auto insurance helps to protect your convenience store business from unexpected expenses if you or your employees are involved in a driving-related accident. Whether you have a single work truck or a small fleet of delivery vehicles, a commercial car insurance policy helps to keep you on the road.

commercial auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

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Workers' Compensation

For business owners who hire employees

Workers’ compensation insurance provides a safety net for convenience store business owners and their employees after a workplace injury. It can help cover expenses for medical treatment, lost wages and other costs. You’re required to purchase coverage in most states as soon as you hire your first employee.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

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Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance helps to protect the items you need to run your convenience store, including your inventory, equipment, furniture, fixtures and even the space that you lease or property that you own. If a fire damages a wall at your store and you have to close for six weeks during repairs, you'll be glad you have commercial property.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

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You can save up to 25% in discounts on convenience store insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

Commercial Auto

Combined single limit

$85,000

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does convenience store insurance cost?

Convenience store insurance costs vary based on the risks that your business faces, such as:

The types of projects you work on
Where your projects are located
Your payroll and the kinds of jobs your employees do
The number and types of vehicles you use at work

You can save up to 25% in discounts, depending on the kind of work you do. More risky professions can expect to pay more.

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Convenience store insurance requirements

Convenience store owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

Get a business license in your state. It’s a good idea to check if you need a license in your state in order to get insurance.
Hire employees. Most states require workers’ compensation insurance if you have employees.
Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
Repair or replace commercial property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

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Frequently asked questions about convenience store business insurance

Here are some of the most common questions we get about convenience store business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

Does ERGO NEXT Insurance offer general liability coverage for convenience store businesses?

Yes, ERGO NEXT Insurance offers general liability, commercial auto, workers' compensation, and commercial property insurance coverage for convenience stores.

Does ERGO NEXT Insurance offer commercial property coverage for convenience store businesses?

Yes, ERGO NEXT Insurance offers commercial property insurance, general liability, commercial auto, workers' compensation, and E&O insurance coverage for convenience stores.

What are some examples of types of business insurance protection for retail shops?

NEXT’s retail shop policies can help protect your business from a variety of risks and financial losses related to:

Damage to someone else’s property

The paint you sell on Amazon explodes in a customer’s bedroom, ruining the carpet and drapes. Your general liability policy could help pay for the damages.**

Accidents that hurt someone

A customer falls and breaks their arm inside your retail store. Your general liability coverage or BOP insurance could help pay for medical costs and legal fees.

Damage to your own property and inventory

Vandals tag your storefront, break a window and steal some business laptops and products. Commercial property insurance could help with replacement or repair.

Accidents involving your business vehicles

You have a fender bender on the way to a client’s office. Commercial auto insurance could help pay for the damages.

Workplace illness or injuries

Your employee falls off a step stool and twists an ankle — and now you’re down a worker for several weeks. Workers’ compensation insurance can help cover medical bills and lost wages.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.