Convenience Store Insurance Coverages

It covers third-party bodily and property damage that occurs on your premises. If a customer slips on the icy sidewalk of your entrance, or your stock delivery person trips over a box and injures his wrist, it covers the medical expenses and your legal costs.

It insures your physical building, leasehold improvements, shelving, and store inventory from covered events like fire, storm damage, or vandalism. Property coverage applies to structural damage repairs and stock replacement caused by a backroom electrical fire.

It is the starting policy for convenience store insurance coverage types. It combines general liability, commercial property, and business interruption to deliver small to mid-sized retailers the highest level of coverage available at a discounted rate.

This is often referred to as the business income and extra expense coverage since it kicks in when a covered building is damaged or closed. This policy will replace your lost business if a kitchen grease fire closes your store, and will cover your rent, payroll, and utility bills.

When an employee is injured on the job, for example, falling while lifting heavy crates of beer or putting hands on a hot grill. Workers' compensation covers their medical expenses, rehabilitation, and lost wages.

It is typically for vehicles used directly by your company for errands around your shop, bank deposits, or deliveries of inventory. When an employee driving the store van crashes into another vehicle while picking up wholesale stock, this policy covers the cost of the damage to the vehicle, property, and medical costs.

HNOA is a type of auto liability coverage, similar to standard commercial auto coverage. It extends to the use of employees' personal or rented vehicles for business. When a clerk drives his own car to the bank and gets into a collision, the claim is almost always denied by personal auto policies. HNOA performs to fill in the gaps of third-party injuries and suits.