Inventory in Transit
A store-owned delivery vehicle is involved in an accident while transporting inventory to your shop.
Coverage
Commercial Auto Insurance for Convenience Stores
Protect your store's vehicles, drivers, and daily deliveries with dedicated commercial auto coverage.
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Commercial auto insurance for convenience stores protects vehicles that your store owns or that you regularly use for business-related activities, such as transportation of inventory, supplies, or money to the bank. A personal auto policy would not usually be used for this type of vehicle. This is still true even though you use the same car for your personal daily errands.
What's covered
What Commercial Auto Covers
Commercial auto insurance helps businesses prevent financial loss when they are involved in an accident with a business vehicle. The following are three common scenarios for standard coverage for a convenience store owner:
Know the gaps
What It Doesn't Cover
A standard commercial auto policy will not cover all driving situations.
Do you need it
Who Needs Commercial Auto Insurance
So, does my convenience store need commercial auto insurance? The answer is yes. A lot of store owners think they're covered by a personal auto policy for their occasional work errands. In practice, personal auto policies exclude business use.
Any convenience store with one or more vehicles in regular use for business requires special commercial coverage. If you or your employee drives to make bank deposits, collect inventory in bulk, or deliver products to customers, you must be covered by a commercial policy to protect against denied claims.
Pricing
What Commercial Auto Insurance Costs
The commercial auto insurance cost for a store vehicle generally ranges from $1,200 to $2,500 per year ($100 to $208 per month), depending on your coverage needs. Insurance companies estimate your final premium using the number of vehicles insured, vehicle type, and total vehicle value.
Other significant factors include what kind of driving you do (local errands vs. long trips), motor vehicle records of your drivers, and coverage limits you select. Visit our full breakdown to learn more about convenience store insurance costs.
What a claim looks like
Example Claim
A store's delivery vehicle collides with another vehicle at an intersection. The accident leaves $20,000 in property damage and $15,000 in medical claims for the injured driver. Commercial auto liability coverage comes in and takes care of the claim settlements and your legal defense costs. Your policy also absorbs your legal defense costs, keeping your business protected.
How it fits
How It Fits With Your Other Coverage
Commercial auto insurance is designed for vehicles that you own or lease for your business. On the other hand, Hired & Non-Owned Auto (HNOA) insurance applies to scenarios where an employee uses their personal vehicle or a rented car to run errands for the store. Most retailers require both coverages to ensure they are covered for any type of auto liability claims.
The power of choice
We shop 30+ A-rated carriers so you don't have to.
- Travelers
- The Hartford
- Chubb
- Liberty Mutual
- Nationwide
- Zurich
- CNA
- Progressive
- Philadelphia Insurance
- Berkshire Hathaway GUARD
- biBerk
- AmTrust
- Employers
- Grange Insurance
- Columbia Insurance
- Encova
- Admiral Insurance Group
- Attune
- Coterie
- ERGO NEXT
- AmWINS
- CRC Group
- RT Specialty
- Burns & Wilcox
- Jencap
- Bass Underwriters
- Jimcor Agencies
- CharityFirst
Common questions
Frequently Asked Questions
My delivery car is also my personal vehicle - do I still need commercial auto?
Yes. Regular business use is not covered under personal auto policies. If you use your car regularly for store errands, deliveries, or bank deposits, you need commercial auto coverage to ensure your insurer pays claims.
What if my employees use their own cars for store errands?
Standard commercial auto insurance doesn't cover employee-owned vehicles. Hired & Non-Owned Auto insurance is required to cover your business when employees are using their own vehicles for business activities.
Get Covered
Keep business vehicles and daily travels safe from unforeseen accidents and losses with Insure C-Store. Get a custom quote from our esteemed and reliable service that is tailored especially for convenience store owners today.