Medical Care & Emergency Treatment
Pays for immediate hospital visits, ongoing medical treatment, surgeries, and prescriptions required after an on-the-job injury.
Coverage
Workers' Compensation Insurance for Convenience Stores
Protect your store and your team from the financial impact of on-the-job injuries.
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Convenience store owners owe it to their employees to foster an environment where everyone can do their jobs safely. Workers' compensation insurance for convenience stores can be an integral partner in your success. It helps cover injury-related costs to protect the financial stability of your business. In a workers' compensation case, the medical expenses and lost wages of an employee who is injured in their workplace are covered. In most states, it is required when a business has employees, but the number of employees and the rules are different from state to state.
What's covered
What Workers' Compensation Covers
Workers' compensation benefits include immediate medical care, continued treatment, a portion of lost wages while the employee is recovering, and rehabilitation costs. Specific examples in a convenience store include:
Know the gaps
What It Doesn't Cover
Understanding exclusions helps ensure you are not caught off guard by uncovered operational losses:
Do you need it
Who Needs Workers' Compensation
Most states mandate workers' compensation coverage as soon as you begin to hire workers. However, the exact employee-count threshold varies significantly by state; some require coverage starting at one employee, while others set the threshold at three or more workers.
A few states operate monopoly state funds that require you to purchase coverage directly from a government agency rather than a private insurer, while Texas allows employers to opt out under specific conditions. Please consult our requirements by state guide for the specific requirements for your state.
Pricing
What Workers' Compensation Costs
The premium is determined by a rate per $100 of payroll. The overall cost will largely depend on your total payroll, number of employees, job classification codes (e.g., cashiers vs. delivery, warehouse staff), and claims history.
Convenience store owners pay an average of $82 per month ($979 per year) for workers' compensation coverage. View our convenience store insurance cost guide, which will give you a breakdown of the prices.
What a claim looks like
Example Claim
A stock clerk strains their lower back while unloading a pallet of bottled water, requiring urgent care evaluation, imaging, and four weeks of physical therapy. The workers' compensation pays $3,200 for medical treatment and provides $1,800 in partial wage replacement benefits during the worker's convalescence at home. This ensures your employee gets back to work safely while keeping your daily operating budget intact.
How it fits
How It Fits With Your Other Coverage
Workers' compensation insurance aims to safeguard the health and safety of your employees, and general liability covers third-party claims such as customer slip-and-fall accidents. Employment Practices Liability Insurance (EPLI) defends against employment-related claims of discrimination or wrongful termination rather than against injuries.
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Common questions
Frequently Asked Questions
Do I need workers' comp if I only have one part-time employee?
This is directly related to the laws in your state. Many states have minimum coverage requirements that begin the day you hire the first employee, even if part-time; others have higher minimums. Please see our requirements by state guide to see your local rule.
What happens if I don't carry required workers' comp coverage?
Operating without required coverage can lead to severe penalties, including state-issued stop-work orders, civil fines, and personal legal liability for all medical bills and lost wages if an employee is injured.
Get Covered
Protect your store from catastrophic injury lawsuits and keep your employees covered when accidents happen. Get a customized workers' compensation quote now. Get your customized rate in minutes from Insure C-Store and ensure your business stays fully compliant with state workforce regulations.