Dollar & Variety Store Insurance Coverage Checklist
The coverages a dollar & variety 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 dollar, discount, and variety stores. Priorities reflect typical exposure for this class; confirm against your actual products, locations, and 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 |
|---|---|---|---|
| General Liability | Covers shoppers hurt in cluttered aisles and by stacked freight. | Core | |
| Commercial Property | Covers dense, combustible inventory. | Core | |
| Business Income | Replaces lost sales if a fire closes the store. | Core | |
| Workers' Compensation | Covers freight-handling and robbery injuries to lean staff. | Core | |
| Crime (Employee Theft / Robbery) | Covers cash handled with single-person staffing. | Prevalent | |
| Products Liability | Covers low-cost imported goods with recall exposure. | Prevalent | |
| Employment Practices Liability | Covers high-turnover staffing claims. | Prevalent | |
| Umbrella / Excess | Adds limits for violent-incident lawsuits. | Prevalent | |
| Spoilage / Equipment Breakdown | Covers coolers holding frozen and dairy stock. | Situational | |
| Cyber Liability | Covers POS card data and bill-pay terminals. | Situational |
The coverage gap most often missed
The gap most often missed by dollar stores is violence on the premises. Shooting and assault suits allege negligent security and point to single-worker staffing, and some GL forms carry assault-and-battery exclusions or low sublimits that leave these claims uninsured. Confirm assault-and-battery coverage and limits, and that the umbrella follows form.
Send us the checklist and we'll review your dollar & variety store coverage line by line, then market it across multiple carriers that compete for your account.
Related: Dollar & Variety Store Insurance · Dollar & Variety Store Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a dollar & variety store business need?
The core coverages for a dollar & variety store business are 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 dollar & variety 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.