Owning and running a convenience store is hectic, but when it comes to convenience store and gas station insurance, we've got you covered. We provide end-to-end, tailored commercial coverage designed for independent store owners and multi-location convenience stores.
Navigating the world of insurance can be complicated. That's why finding the right specialist is the most integral step. Our specialized insurance is just the thing you need as we shop around, compare prices from multiple providers so that you can get the best coverage.
We shop 30+ A-rated carriers so you don't have to.
Convenience store and gas station insurance typically includes a combination of several policies that are designed to cover various aspects of your business. Below are some common coverages that can be considered.
Not all coverages are the same. Each is designed based on the specific location, size, and coverage needs. Depending on these specifications, cost is estimated.
| Coverage Type | Average Monthly Cost | What it covers |
|---|---|---|
| General Liability | $72–$150 | Bodily injury, slip-and-fall incidents, and customer property damage. |
| Business Owner's Policy (BOP) | $150–$350 | Bundles liability with property protection for buildings and inventory. |
| Workers' Compensation | $82–$300 per employee | Employee injuries, medical expenses, and lost wages. |
| Liquor Liability | $50–$200 | Legal defense and claims arising from sales of alcohol |
| UST/Pollution Liability | $150–$400 | Cleanup costs, fines, and third-party claims from fuel tank leaks. |
Bars: monthly range on one $0–$400 scale. Source: Insureon
Ask yourself this question: If your convenience store had a major issue in the middle of the night, would your current convenience store and gas station insurance policy handle these real-world scenarios?
Having your business covered shouldn't feel like getting a second job. Here's how our insurance agency makes the process simple with these three steps:
Fill out our form by answering a few quick questions about your operations, location, and current insurance coverage. Get your convenience store insurance quote in just a day.
Our experienced insurance agents work around the clock to shop around and compare rates of A-rated insurance carriers. To help you get policies that align with your specific requirements.
Choose the policies that you find are the perfect fit for your business. Sign electronically, and you've just got yourself covered! No hidden charges, just pure commitment and secure policies.
Choosing the right insurance package is integral whether you own one or many stores. It all comes down to whether your coverage actually fits the size of your operation or not.
You should never pay for coverage built for a five-location chain. It's important to get straightforward protection size for exactly what you run, nothing more.
Managing several coverages for different locations, each having its own renewal date, is a lot to juggle. Our insurance consolidates everything into one program so that there is no confusion.
Expanding beyond state lines or seeking a specialist that knows your state's particular regulatory terrain?
We offer customized insurance solutions for convenience store and gas station operators across the country, for both single-store and multi-state chains, in more than 20 primary markets. Every state has different laws regarding fuel and retail, from strict state environmental fund requirements for underground storage tanks to complex regional liquor liability laws.
Check out the states in which we offer our services; chances are we already write policies in your state:
The monthly premiums for most owners range from $75 to $600 or more, depending on the type of coverage, location, sales volume, and whether being a fuel or alcohol seller. Generally, operations with multiple locations or those that have liquor and fuel liability will produce higher payments. Make sure to get a free gas station insurance quote to find the best rates for your business.
Liquor liability extends to claims resulting from alcohol sold, such as when a customer becomes injured in a liquor store after purchasing alcohol from the store owner. This coverage is typically not granted as part of a general liability policy and is required in most states where a liquor license is held.
Most states mandate UST liability coverage as a fuel operation requirement for those who run underground storage tanks. It includes liability for leaks or spills, third-party property damage, and bodily injury claims.
Yes, if you have employees in most states. This depends on the state and, in some cases, the number of employees; so, make sure to find your state's specific threshold. If an employee is injured at work, workers' compensation will pay for the costs of medical care and lost wages.
Yes. For combination locations, a business owner's policy (BOP) or package policy may include general liability and property coverage, and then may be endorsed to include liquor liability or UST coverage.
Fill out our brief online form with some of your business and location information. Within one or two days, we'll match you with quotes from convenience store & gas station insurance carriers.
Still have a question about your store?
Call (770) 723-9901Takes less than 3 minutes. No commitment.
