Convenience Store Insurance
Save up to 25% on convenience store insurance coverage.*
Choose your primary coverage to get started:
Convenience store insurance could help protect your business from
The costs of injuries and accidents inside your store
Someone slips, trips or gets hurt in your store, and you’re asked to cover their medical bills.**
Theft and vandalism costs
Your business has tags, broken windows, a broken door and inventory was stolen. You need help to cover costs — fast.
Damage costs from fire or extreme weather
A fire, hail storm or burst water pipe ruins your inventory, computers and POS systems, furniture, flooring, lighting and the retail space you lease or own.
Lost business income
If you need to close for repairs after a covered event, your business insurance could help cover your financial losses.
Product liability expenses
A product that you make or sell causes harm to a customer’s health or damages their property, and they ask you to cover the costs and take legal action against you.
Get convenience store insurance that’s fast, flexible and convenient
ERGO NEXT specializes in small business insurance. Insurance for your corner store and mini mart could help protect you, your business and your employees from the cost of unexpected events.
ERGO NEXT makes it easy to:
- Check prices, get covered and buy 100% online in about 10 minutes.
- Manage your policy 24/7 via web or mobile app.
- Pay monthly or annually and cancel anytime.
- Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.
ERGO NEXT specializes in business insurance for convenience stores
Convenience store insurance typically includes several types of policies to help protect you, your business and your employees from different types of business risks. Your coverage may include:
General Liability insurance for convenience stores
Protection for damage to other people's property and injuries to non-employees
general liability can help you pay for:
Workers’ Compensation insurance
Often required to help protect employees from the costs of work-related illnesses or injuries
workers compensation can help you pay for:
Commercial Property insurance
Protect your building, inventory, equipment and other business property
commercial property can help you pay for:
Product Liability insurance
Coverage for convenience stores that make or sell food, beverages and other retail products
product liability can help you pay for:
Business Owner’s Policy (BOP insurance)
Financial help after customer injuries and property damage
business owners policy can help you pay for:
Save up to 25% in discounts on convenience store insurance
Pay monthly or annually, and you can cancel at any time.
How much does convenience store insurance cost?
Convenience store insurance can be more affordable than you might think. The cost depends on several factors, including:
- The size and type of your convenience store.
- The products you sell, such as beverages, snacks, groceries or other retail items.
- Your business location.
- Your number of employees.
- Your annual revenue.
- The coverage limits and deductible you choose.
- Your insurance claims history.
The best way to see exactly what your convenience store will pay for business insurance is to get a free, no-obligation quote. In about 10 minutes, you can see the cost of customized coverage for your business.
How can convenience store insurance help your business?
Convenience store insurance could help your business to:
- Recover from property damage. Commercial property insurance could help if your business is affected by a covered event such as fire, theft, vandalism or certain types of water damage.
- Handle liability claims. General liability insurance could help cover costs if a customer is injured at your convenience store or if your business accidentally damages someone else’s property.
- Deal with product liability issues. If a food item, beverage or other product you make or sell is alleged to have caused foodborne illness, another injury or property damage, coverage may help you.
- Hire employees. Most states require workers’ comp insurance for small businesses with employees.
- Recover from alcohol-related claims. If your convenience store makes or sells alcoholic beverages, liquor liability insurance may help cover certain legal and medical expenses related to covered claims.
Convenience store insurance FAQ
If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.
Does convenience store insurance cover theft and shoplifting?
Commercial property insurance could help protect your business if inventory, equipment or other covered business property is stolen or damaged during a covered event, such as a burglary. The coverage available depends on your policy and the circumstances of the loss.
Do convenience stores need liquor liability insurance?
If your convenience store makes or sells alcoholic beverages, you may need liquor liability insurance. Liquor liability insurance could help protect your business if a customer who consumed alcohol at your store is alleged to have caused bodily injury or property damage. The coverage you need depends on your business operations and state requirements.
Does convenience store insurance cover refrigerated inventory?
Commercial property insurance may help protect refrigerated inventory if it's damaged by a covered event. Depending on your policy, you may also be able to add coverage for certain losses related to equipment breakdown, power outages or spoilage.
How can I get a certificate of insurance (COI)?
What do I need to get an insurance quote online?
How do you file an insurance claim with ERGO NEXT?
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
