Property coverage: This insurance protects your building and your business’ personal property (contents). Should you experience a damaging hazard, coverage can help you make repairs. 

Business income coverage: An accident may mean you have to suspend operations. This could lead to a loss of profit and revenue. Business income coverage can help minimize such losses.

Equipment breakdown insurance: Repairs for broken A/C systems, refrigeration or cooktops in your store can all be costly expenditures. This coverage helps fund repairs, so you don’t lose money fixing the problem.

General liability coverage: Guests or other parties who suffer harm because of any company negligence may seek damages. Such challenges could arise from accidents as simple as a customer’s fall on a wet floor. Your liability coverage can help the affected party pay for their losses so that your bank accounts won’t have to.

Employment practices liability insurance (EPLI):Employee allegations of discrimination, wrongful termination, harassment or other employment issues can lead to costly legal fees and settlements. This coverage can help alleviate the cost.

Liquor liability coverage: Do you sell alcohol in your store? If you do, there’s a chance that your sales could lead to buyers harming themselves or others. The harmed party might blame the store for the damage because you supplied the alcohol. This coverage can help you settle damages associated with such claims.

Commercial crime coverage: Theft is a real risk in convenience stores, from both employees and customers. This coverage offers financial protection in these circumstances.

Workers’ compensation insurance: State laws require businesses to carry workers' compensation insurance—not only to protect the business from lawsuits but also to protect injured workers. Coverage will provide a supplementary income to employees injured on the job.

Credit score

Claims/driving history

Value of the property

Location