Operations this guide may include
- Convenience stores and neighborhood markets
- Gas stations and fuel-retail locations
- Stores with prepared food, alcohol, tobacco, or lottery sales
- Single-location and multi-location retail operators
Questions that shape the conversation
Insurance markets evaluate the complete operation. These are examples of details that can materially affect the available path.
- What percentage of sales comes from fuel, food, alcohol, tobacco, lottery, and other merchandise?
- Who owns and maintains the tanks, pumps, canopy, building, and refrigeration equipment?
- What cameras, alarms, lighting, cash controls, and overnight staffing procedures are used?
- Are there cooking, car-wash, propane exchange, delivery, or other additional operations?
Coverage topics to discuss
Business owners policy
Potential property, general-liability, and business-income coverage for eligible retail operations.
Equipment breakdown and spoilage
Potential losses involving refrigeration, electrical systems, and temperature-sensitive inventory.
Crime
Money, robbery, employee dishonesty, and funds-transfer considerations subject to policy terms.
Pollution liability
A separate coverage discussion for fuel storage, dispensing, and possible environmental events.
Information worth preparing
- Location schedule and sales breakdown by product
- Tank, pump, canopy, building, and equipment ownership details
- Cooking, refrigeration, protection, and security information
- Property values, payroll, hours, contracts, and loss runs
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Explore this guide →This guide provides general educational information, not legal, tax, or insurance advice. Coverage availability, eligibility, limits, exclusions, and pricing vary by applicant, insurer, policy, and state.