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Convenience Store Insurance

Save up to 30% on business insurance
Retail insurance

Convenience store insurance designed to protect your business

Completely online, 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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Save up to 30% on convenience store insurance

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

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 combine coverage.
General Liability

General Liability

Bought by 95% of business owners like you
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

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

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

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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How much does insurance cost

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 30%, 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.
  • Start work on a project. Clients might ask you to have active insurance — usually general liability or workers’ comp.
  • 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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Everything you want to know about Insurance

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 NEXT Insurance offer general liability coverage for convenience store businesses?
Yes, NEXT Insurance offers general liability, commercial auto, workers' compensation, and commercial property insurance coverage for convenience stores.
Does NEXT Insurance offer commercial property coverage for convenience store businesses?
Yes, NEXT Insurance offers commercial property insurance, general liability, commercial auto, workers' compensation, and E&O insurance coverage for convenience stores.
How does business insurance protect retail stores?

Our retail store insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

The paint you sell on Amazon explodes in a customer’s bedroom, ruining the carpet and drapes. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A customer falls over backwards trying out a chair and breaks their arm. Your retail store general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Workplace injuries 

One of your employees falls off a step stool while restocking the upper shelves and badly twists their ankle, leaving them unable to work for several weeks. Workers’ compensation coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees. 

Injuries and damage involving your business vehicles

A hail storm leaves dents all over the roof of your work van. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles. 

Damage to your property and inventory

All the inventory you had ready to go was vandalized overnight. Commercial property insurance can help with replacement or repair costs.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

Certificate of Insurance

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