Convenience stores allow you to purchase items quickly and easily. Whether it’s an early morning coffee and gas fill-up or a snack for the kids after a soccer game, convenience stores are a popular choice for many individuals. However, the late hours of operation, the variety of goods on the shelves and the revolving door of customers present numerous risks for store owners. All Risks is the smart choice for Convenience Store insurance. Protect your clients from theft, inventory and property damage. Our program also cover convenience store auto repairs, car washes, gas sales, liquor sales and more. Contact us today to learn more about our Convenience Store Insurance Program!
Convenience stores are, as their name implies, convenient. They enable people to make a quick stop on their way home from work or while on the road so they can fuel up, grab a quick bite or pick up a few quick items they need. If you own a convenience store, you will want to be sure to shield it from financially damaging risks by purchasing a suitable business insurance package. An independent agent can help you build a convenience store insurance portfolio that can mitigate the risks commonly faced by business owners in your industry.
Convenience Store and Gas Station Liability Policy Components
General Liability Insurance
This coverage is going to protect you from a variety of potential claims. Some of these examples can be bodily injury, property damage, personal injury and others that can potentially come up if you are found negligent.
Liquor Liability Insurance
If you are selling alcohol, this is an absolute must. It will protect your business from personal injuries and property damages for a liability lawsuit.
Workers Compensation Coverage
In most states if you have employees then this isn’t even a questions of do I want this? This is a must to be able to employee staff. Workers Compensation (otherwise known as workers comp) is strictly designed to ensure payment by employers for some part of cost of injuries to an employee. Some examples of this can be things like:
- Injury at Work
- Disease caused by work environment
In most cases an incident would need to take place while the employee is at the place of employment, however it would be best to discuss with your local independent insurance agent for more of a case by case basis.