Convenience Store

Save up to 30% on your business insurance

Insure your store, Convenience and coverage, aisle one!

At Coverage Cowboy, we understand the unique challenges faced by convenience store owners. That’s why we offer comprehensive insurance solutions to keep your business protected against risks like theft, property damage, and liability.

Our knowledgeable agents will work with you to customize an insurance plan that caters to the specific needs of your convenience store. Trust Coverage Cowboy to keep your business running smoothly and safely.
  • General Liability
  • Workers' Compensation
  • Commercial Auto
  • Commercial Property

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Convenience Store businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

General liability insurance is a must-have for convenience store owners, as it protects their business from unforeseen accidents. For example, if a customer slips on a wet floor and gets injured, this insurance can cover the medical expenses and potential legal fees. Having general liability insurance ensures the convenience store can continue running smoothly without worrying about unexpected financial burdens.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

Commercial auto insurance is a must-have for convenience store owners who use vehicles for tasks like transporting inventory or making deliveries. This insurance protects your business from financial losses if accidents happen, such as a delivery van getting into a fender bender. For example, if your employee accidentally backs into a customer’s car while delivering snacks, commercial auto insurance would cover the repair costs and save your business from a costly setback.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

Workers’ compensation insurance is crucial for convenience stores, as it helps protect both the business and its employees. For example, if a store clerk slips on a wet floor and gets injured, this insurance covers their medical expenses and lost wages during recovery. By having workers’ compensation, convenience store owners ensure a safer work environment and financial security for their valued team members.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Commercial property insurance is essential for convenience store owners because it protects their valuable assets, like the building and inventory, from unexpected damages. For example, if a fire breaks out and destroys the store’s stock of snacks and drinks, this insurance will cover the costs to replace them. By having commercial property insurance, convenience store owners can have peace of mind knowing their business is safeguarded against unforeseen events.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Convenience Store business insurance

How does business insurance benefit Convenience Stores?

Business insurance offers numerous benefits to convenience stores:

  • Protects your assets, such as inventory and equipment, from theft, damage, or loss.
  • Covers liability claims resulting from accidents, injuries, or property damage involving your store or employees.
  • Provides financial security in case of business interruption due to natural disasters, power outages, or other unexpected events.
  • Ensures compliance with local and state regulations, as many jurisdictions require businesses to carry certain types of insurance.
  • Enhances your store’s reputation by demonstrating to customers and suppliers that you take risk management seriously.

Investing in business insurance for your convenience store helps safeguard your investment and provides peace of mind as you focus on growing your business.

What do I need to get an insurance quote?

To get a convenience store insurance quote, gather the following information:

  • Business name and contact information
  • Location and square footage of your store
  • Estimated annual revenue and payroll
  • Number of employees
  • Inventory and equipment details (e.g., cash registers, refrigeration units, shelving)
  • Additional services offered, if any (e.g., gas pumps, lottery, food service)

With this information in hand, you’re ready to request a personalized insurance quote for your convenience store. Our Coverage Cowboy team is here to help you find the best protection at an affordable price!

Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


Want to chat?

We're here to help

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.