Convenience Store Insurance Coverage
You’re a convenience/gas station owner, or considering becoming one. Otherwise you wouldn’t be visiting here. Our insurance agents understand your business in a word: convenience.
Your convenience store is the first place people seek to make a quick stop on their way home from work or traveling on the road so they can fuel up, grab a bite on-the-run or pick up a few necessities. Those are the benefits you deliver to your customers which represent the unique charm of your store.
You’re in the right place to find all that you need to reduce your risk exposures, limit losses, cut costs, improve your cash flow and grow your bottom line.
Together, we’ll work with you to provide safety for your customers – plus protect your staff and property, as well as limit your exposure to financial loss.
Convenience Store Insurance Customer Profiles
We deliver a wealth of experience serving small businesses in the state of Virginia convenience store insurance. Whether your store is independently owned, franchised or part of a chain, you are guaranteed the professional attention of a local, independently owned insurance agency.
That means access to a vast array of insurance companies to match your unique needs. Together, our insurance agents will analyze your requirements and match solutions that work for you ... always with an eye to maximize your protection and minimize your cost.
Your store, like most, sells a variety of everyday items. Our convenience store clients provide a range of products and services; some or all may match your offerings. A sampling follows:
- Soft drinks
- Alcoholic beverages
- Fax machine
- Money Orders
- Check cashing
- Wire transfers
Your Risk Exposures
Offering some or all of these convenience items and services present elements of risk – especially crimes like theft and vandalism. These are in addition to the property and liability loss exposures that every small business is faced with.
At a minimum, you need to seek coverage for the following:
General Property Coverage
In addition to exposure to your building and contents, your convenience store is potentially subject to a variety of losses including theft, vandalism, fire, natural disasters and other catastrophic events. General property coverage will help compensate you for losses to your building as well as such things as furniture, electronics, interior decorations, carpeting, and amenities.
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Does your convenience store sell alcoholic beverages? If so, you’ll need liquor liability insurance to protect you due to your negligence in selling alcohol to intoxicated or underage customers. If that results in property damage or bodily harm to themselves or others, your business is held liable for those losses.
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Protect your business from injuries or property damage sustained by customers while on your convenience store premises. While your building(s) is most likely your most significant investment, you are far more likely to suffer a liability claim. Consider your exposure if a customer trips over a display near the front door and is hurt. You may be sued for damages. Premises liability coverage will cover these costs.
The products and services you provide may be a source of risk. You may be subject to a lawsuit if your offering causes an illness or some other form of harm to your customers. Products liability coverage will address the accompanying legal costs.
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In the state of Virginia, employers with 2 or more employees are required to provide workers compensation insurance, which provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. Workers’ compensation insurance covers a deceased worker’s family with a financial benefit as well. If a worker’s family decides to sue your company, it can also help cover the related legal fees.
Some examples of protection for your business and employees in events such as these:
- Your employee slips on the job, is injured and requires an emergency room visit and weeks of recovery time.
- Your employee is injured in a job-related function and requires a doctor’s attention, medication and physical therapy.
- Your employee on business for your company is injured in a car accident and requires hospitalization.
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Commercial Auto Insurance
If your business owns a vehicle to run company errands or other business-related uses, you’ll want to be sure you have liability coverage that meets your state’s minimum requirements. Much like personal auto insurance, commercial auto has liability coverage to pay for other people’s damage and injuries when you or your workers are responsible.
A commercial auto insurance quote typically includes:
- Physical Damage
- Medical Payments
- Uninsured Motorist
- Hired Auto
- Non-Owned Coverage
- Any Auto
- All Commercial Coverages
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While the Convenience Store Insurance coverage options listed above are likely to fit your minimal needs, there may be additional protections to satisfy your unique circumstances. Here’s a sampling of additional considerations:
- Premises Pollution Liability
- Cyber Liability
- Equipment Breakdown Coverage
- Business Interruption Coverage
- Crime Coverage
- Food Spoilage Coverage
- Utility Interruption Coverage
- Umbrella Coverage
- Contents Insurance
- Employee Dishonesty Insurance
- Flood And Earthquake Insurance
- Employment Practices Liability
- Business Income Insurance
Here at All Coverage Insurance, our insurance agents work with you to understand your unique business, shop your coverage, plus deliver your best quotes. You are unique so we tailor coverage to your specific needs and desires.