Convenience Store Insurance

General Liability insurance, also referred to as Business Liability Insurance, is the only way to effectively protect your business from damages involving bodily harm or property damage for which your company is found legally liable.

For convenience store owners having adequate liability coverage is essential due to the high volume of customers accessing the property.  If gas pumps are available this adds another layer of hazard that will need to be taken into consideration when accessing limits.

Garage Keepers Liability insurance is vital for businesses that offer towing or service station services.  This coverage provides protection in case a customer's vehicle is damaged by fire, theft, vandalism, or collision while you are storing the customer's vehicle.

Businesses may also want to obtain On-Hook Towing insurance as it offers similar coverages while the customer's vehicle is being towed or hauled.

Crime Insurance

Crime Insurance protects businesses from business-related crime, including fraud, embezzlement, robbery, theft, and forgery. This policy typically covers property loss, such as cash, merchandise, and assets.  Crime Insurance is an important part of a business's insurance program because Commercial Property Insurance usually exclude crime related losses.

Worker’s Compensation Coverage

Workers’ compensation insurance benefits are available to employees who are injured or become ill as a result of a work-related incident. If one of your employees is injured on the job and is medically authorized to take time off from work, he or she will be reimbursed for lost wages and all of the medical expenses related to the treatment and rehabilitation.

Commercial Umbrella

Commercial Umbrella Insurance is an additional layer of protection for liability claims that exceed your other liability limits.  Meaning if your company is found liable for a large financial sum, first your other liability coverage (such as a General Liability policy) would kick in to cover the amount, and then your umbrella policy would respond to cover the remaining amount up to your policy limits. 

Liquor Liability

Liquor Liability Insurance offers coverage against claims of property damage and injuries that are the result of the consumption of alcohol. Commonly this coverage is closely associated with taverns, bars, nightclubs, and restaurants that serve alcohol. Coverage requirements vary by State Law and it is important you talk to a qualified Insurance Advisor about what coverage is required for your business.

Employment Practices Liability

A wrongful employment practices claim, even if false, can disrupt business, hurt morale, damage your reputation and potentially lead to financial damages. Employment Practices Liability Insurance provides businesses protection from these risks.