Convenience Stores Insurance

Convenience Stores Insurance

Convenience Stores Insurance

Learn what kind of coverage you need as a Convenience Stores. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Convenience Stores. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Convenience Stores. Ready for a quote? We'll help protect your practice quickly and simply.

Backed by 20+ years’ experience

Save up to 35% on premiums

Partnership with top carriers

We partner with 100+ insurance companies you can count on.

Why Does a Convenience Stores Need Insurance?

Convenience stores deal with constant foot traffic, late hours, and high-value inventory. One slip-and-fall, break-in, or equipment failure can turn into a costly claim and lost revenue. Insurance helps keep a bad day from becoming a shutdown.

What Does Convenience Stores Insurance Cover?

It can cover customer injuries, damage to your building and contents, theft and vandalism, spoiled inventory, and income lost after a covered event. Many stores also need coverage for alcohol sales and employee injuries.

Slip-and-fall near the beverage cooler

A customer steps in a small spill, falls, and alleges a back injury. The claim can include medical bills, lost wages, and legal defense costs, even if you were not at fault.
A customer steps in a small spill, falls, and alleges a back injury. The claim can include medical bills, lost wages, and legal defense costs, even if you were not at fault.

Smash-and-grab after hours

Someone breaks the front door, damages the register area, and steals tobacco products and cash. Coverage may help pay for repairs, stolen inventory, and downtime while you secure the store.
Someone breaks the front door, damages the register area, and steals tobacco products and cash. Coverage may help pay for repairs, stolen inventory, and downtime while you secure the store.

Freezer failure and spoiled inventory

A refrigeration unit fails overnight and you have to discard dairy, frozen foods, and beverages. Depending on the policy, you may be covered for spoiled stock and the income hit from reduced sales.
A refrigeration unit fails overnight and you have to discard dairy, frozen foods, and beverages. Depending on the policy, you may be covered for spoiled stock and the income hit from reduced sales.

Convenience Stores Insurance Made Simple

Everything you need to know about protecting your business, from coverage basics to real-world scenarios.

What insurance do convenience stores typically need in California?

Most convenience stores start with a Business Owners Policy, often called a BOP, which bundles general liability and commercial property. Many also add workers’ compensation if they have employees, and business interruption for closures after a covered loss. Depending on your operations, you may also need liquor liability, crime coverage, and commercial auto if you deliver or use vehicles for business.

Does convenience store insurance cover theft, shoplifting, and robbery?

If someone is injured in my store, what happens?

Are refrigeration breakdown and spoiled food covered?

How do I choose the right limits for my store?

What information do you need to quote convenience store insurance?

What insurance do convenience stores typically need in California?

Most convenience stores start with a Business Owners Policy, often called a BOP, which bundles general liability and commercial property. Many also add workers’ compensation if they have employees, and business interruption for closures after a covered loss. Depending on your operations, you may also need liquor liability, crime coverage, and commercial auto if you deliver or use vehicles for business.

Does convenience store insurance cover theft, shoplifting, and robbery?

If someone is injured in my store, what happens?

Are refrigeration breakdown and spoiled food covered?

How do I choose the right limits for my store?

What information do you need to quote convenience store insurance?

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.