Convenience Store Insurance Coverage Checklist
The coverages a convenience store business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for convenience stores, with or without fuel. Priorities reflect typical exposure for this class; confirm against the store's actual hours, sales mix, and fuel operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability | Covers customer injuries, including slips and falls and claims that inadequate security led to an assault. | Core | |
| Commercial Property & Business Income | Covers the building, stock, coolers, and lost income after fire, vehicle impact, or other covered loss. | Core | |
| Liquor Liability | Covers claims arising from alcohol sold, including sales to minors or intoxicated people. GL typically excludes it. | Situational | |
| Storage Tank Pollution Liability | Pays cleanup and third-party damage from fuel releases. Federal law requires at least $1 million per occurrence for retail fuel sites. | Situational | |
| Workers' Compensation | Required in most states; robbery-related assaults make this a high-severity class. | Core | |
| Crime / Money & Securities | Covers cash, lottery, and money-order stock lost to robbery, burglary, or employee theft. | Prevalent | |
| Equipment Breakdown / Spoilage | Covers cooler and freezer failures and the inventory lost. | Prevalent | |
| Umbrella / Excess Liability | Adds limits above GL, liquor, and auto for serious assault or vehicle claims. | Prevalent | |
| Employment Practices Liability (EPLI) | Covers harassment, discrimination, and wrongful-termination claims from staff. | Situational |
The coverage gap most often missed
The most commonly missed coverage for stores that sell fuel is storage tank pollution liability. General liability almost always excludes pollution, yet federal law requires retail fuel sites to prove at least $1 million per occurrence to pay for cleanup and third-party damage from a tank release. For every convenience store, the other major exposure is violence: robbery is the leading cause of death for retail workers, OSHA has cited stores for failing to control it, and those findings feed directly into negligent-security suits by injured customers. GL limits and assault-and-battery exclusions deserve a close look.
Send us the checklist and we'll review your convenience store coverage line by line, then market it across multiple carriers that compete for your account.
Related: Convenience Store Insurance · Convenience Store Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a convenience store business need?
The core coverages for a convenience store business are Commercial General Liability, Commercial Property & Business Income, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my convenience store coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.