Join Insure C-Store and provide your commercial clients with comprehensive, customized coverage supported by dedicated wholesale underwriting.
For licensed independent agents and brokers.
Our convenience store and gas station insurance program for agents comes from the fact that standard commercial lines carriers often misjudge the complicated exposures of gas stations and convenience stores. With an insurance agency expertly working on your behalf, you'll gain a dedicated MGA convenience store insurance relationship that will simplify insurance placements.
Knowing our gas station insurance appetite before the submission enables you to manage your pipeline and quote-to-win ratio. Once you choose to become an appointed agent gas station insurance partner, you are provided with a transparent, consistent underwriting structure that is designed for retail fuel and convenience stores.
We accept convenience stores, retail gas stations, combination fueling stations with car wash, food service operations, quick-serve restaurants, and integrated vehicle repair bays. New ventures are allowed if the primary operator has demonstrated industry experience. We also cater to sites that sell packaged liquor and have significant inside merchandising.
For properties that pose higher risk exposure, like in high-crime metropolitan sectors or properties with previous environmental loss, full loss runs are to be completed with documented measures to mitigate the risk before coverage is offered. Discounts are offered for active, state-approved UST monitoring systems.
This program does not cover general contractors, independent repair shops without fuel sales, and taverns without retail convenience footprints. Our guidelines are easy to understand; you will know at a glance whether your commercial insured meets our target risk profile.
The policy framework for placing complex retail energy accounts must take account of the overall responsibility for the operation. We have a convenience store insurance wholesale program that offers all of the coverage you need, specially designed for fuel retailers.
Some coverage lines that are common in a core insurance policy are commercial general liability, commercial property to cover damage to buildings and inventories, business interruption, workers' compensation, liquor liability, and underground storage tank pollution liability.
Most generalist policies exclude or limit coverage for crime losses and environmental claims. Our program eliminates those dangerous gaps and protects those that have your clients' lives at stake.
Looking for ways to grow your commercial lines book and get the cover you need for your retail clients? Fill out the appointment form below. All applications will be reviewed by our partnership team, and we will contact you with your portal access details via our onboarding process set out above.
Our program is licensed and operating in 20+ states in the United States of America. The full jurisdictional details can be found on our About Us page.
Retail gas stations, convenience stores, combination fuel stops, car washes, food service, and stores that sell liquor are acceptable. Single locations and multi-state portfolios are all acceptable.
Our underwriting team provides initial indications within 24 hours when a complete application with all loss runs and property details is submitted.
We are not looking for a large portfolio corporation to join us. Independent agents actively writing commercial retail risks are welcome and will have access to specialized underwriting.
We have competitive and transparent commissions paid on new business and renewals. Commission schedules are broken down in detail during the final onboarding process.
