Convenience Store Insurance Program From Colonial General
Colonial General Insurance Agency, Inc. offers a tailored Convenience Store Insurance program designed specifically for small grocery, food, and convenience stores. This program is ideal for agents and brokers looking to place retail accounts that operate in compact spaces and may include fuel sales or limited car wash operations. With access to both admitted and non-admitted markets, Colonial General delivers flexible solutions backed by strong underwriting expertise.
Ideal Accounts and Appetite
This program targets retail stores that are 3,000 square feet or less, including:
- Convenience stores with or without fuel sales
- Small food marts or corner grocery stores
- Locations with a single coin-operated, drive-through, automatic car wash bay
It’s a strong fit for agents with clients who operate in high-traffic areas, serve local neighborhoods, or supplement retail sales with limited services like fuel dispensing. Operations that exceed size thresholds or include high-risk elements may fall outside of appetite.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits up to $3,000,000 Occurrence / Aggregate
- Liquor Liability available if needed
- $5,000 Medical Payments Coverage—Included
- Additional Interests—Included
- Excess/Umbrella limits up to $25,000,000
- No deductible required
Property Insurance Options:
- Building and Contents
- Business Income and Extra Expense
- Computer Equipment and Equipment Breakdown
- Food Spoilage and Outside Signs
- Accounts Receivable and Valuable Papers
- Basic, Broad, or Special Form
- Replacement Cost or Actual Cash Value
Crime Coverage Available:
- Theft of Money & Securities – Inside the Premises
- Robbery or Safe Burglary of Other Property – Inside the Premises
- Theft or Robbery – Outside the Premises
Underwriting Notes and Minimum Premiums
Colonial General evaluates each risk on an individual basis to ensure appropriate coverage and pricing. While specific minimum premiums may vary, the program is designed to be competitive for small business accounts. No deductible is required for general liability coverage, making it easier for your insureds to manage out-of-pocket costs.
Territories and Availability
This program is available to licensed agents and brokers in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Admitted markets are available in some cases. Contact Colonial General for underwriting eligibility in your specific state.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General gives you access to a broad range of specialty carriers suited for unique retail exposures. Their Convenience Store Insurance program reflects Colonial's deep understanding of small retail risk profiles, delivering flexible coverage options and responsive service. Whether you're working with a new venture or an established location, Colonial General can help you place business confidently and competitively.