Convenience Store Insurance

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

Choose your primary coverage to get started:

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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.

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

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

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

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

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

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.