Insurance for Convenience Stores

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Convenience stores sell gas, cigarettes, and soda pop. They don’t sell anything that would require them to have insurance, right? Wrong. Having quality insurance is one of the most important parts about being in the convenience store business. Whether it’s from customers injuring themselves on the premises, or from the worst-case scenario of a robbery, there are many reasons why convenience store owners need insurance. 


Virtually all convenience stores need insurance, and there are several kinds of insurance that they need. General liability, worker’s compensation, and crime insurance are a few that help these convenience stores stay operational and keep their doors open. 


But what are the dangers that are facing these stores? 

Why Convenience Stores Need Insurance: 


Employee Theft 


In many businesses, the most common form of theft is actually theft by the company’s very own employees! They have greater access to valuables than a customer would, and dishonest employees frequently take advantage of the trust they are given to steal things of value in a convenience store. This insurance protects a convenience store from the losses of an employee taking things. 


Robberies 


More dangerous robberies occur when someone comes into a convenience store with a knife or gun and wants to steal something, often money from the cash register. Insurance helps cover the store against any potential losses that occur due to the crime of a robbery. 


Injuries of Employees 


Employees injuring themselves is another potential cause of a lawsuit towards a convenience store. Whether a slip and a fall or something worse, there is insurance to cover claims against this as well. 


Damage to Property 


There are expensive cars that pull up to convenience stores every day. Property insurance is going to protect the store from lawsuits if something were to happen to a car or to a person that was the fault of the store. 


General Liability for Customers 


General liability is the most basic form of insurance that a convenience store has, and it’s going to protect them if a customer injures themselves on the premises or breaks their valuables there as well. 

These are just a few of the reasons why a convenience store needs to have insurance. It’s a dangerous world out there, and insurance is the best way to keep a store from paying a needless lawsuit. 

Call Baldwin Insurance Agency

We can customize a Convenience Store owner’s insurance policy that’s written specifically for your business. We are just a telephone call away in the event that you have an inquiry or any need. Here are some of the quality coverage options offered by Baldwin Insurance Agency: 

  • General Liability
  • Umbrella or excess liability
  • Workers compensation insurance
  • Commercial Property
  • Business Auto Insurance Coverage
  • Inland marine
  • Data Breach Insurance Coverage and much more

The price of your business insurance would depend on the amount of business you generate annually. Baldwin Insurance Agency would like to and wants to help answer any business insurance questions you have. Don’t waste your time looking for other options, call or email us now. We have a proven reputation for excellent customer service and reliable insurance carriers. 

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Baldwin Insurance Agency

200 N Jefferson St, Suite A, Kearney, MO 64060, US

(816) 628-0092

Hours

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9:00 am – 5:00 pm

Tue

9:00 am – 5:00 pm

Wed

9:00 am – 5:00 pm

Thu

9:00 am – 5:00 pm

Fri

9:00 am – 5:00 pm

Sat

Closed

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