Grocery Store Insurance Program from Colonial General Insurance Agency, Inc.
Colonial General Insurance Agency, Inc. offers a focused Grocery Store Insurance program designed to meet the needs of independent grocery stores, convenience stores, and small food retailers. This program is ideal for agents and brokers seeking reliable markets for clients operating stores up to 3,000 square feet, including those with fuel operations or a single automatic car wash bay.
Ideal Accounts and Appetite
This program targets small-format retail food operations, including:
- Grocery stores (3,000 sq. ft. or less)
- Convenience stores with or without fuel sales
- Food marts and corner stores
- Locations with one coin-operated drive-through car wash bay
Accounts outside these parameters may not be eligible, but Colonial General can evaluate on a case-by-case basis depending on the risk profile and location.
Coverage Highlights and Advantages
Coverage is available on a monoline or package basis and includes comprehensive Property, Liability, and Crime options tailored for the exposures typical in food retail.
Commercial General Liability
- Primary limits up to $3,000,000 Occurrence / Aggregate
- Liquor Liability Coverage available
- Medical Payments Coverage—$5,000 included
- Additional Interests—Included
- Excess or Umbrella limits up to $25,000,000
- No deductible required
Property Coverage
- Building, Contents, Business Income
- Basic, Broad, or Special Form
- Replacement Cost or Actual Cash Value
- Food Spoilage and Equipment Breakdown
- Computer Equipment and Outside Signs
- Accounts Receivable and Valuable Papers
Crime Coverage
- Inside Premises—Theft of Money and Securities
- Inside Premises—Robbery or Burglary of Property
- Outside Premises Coverage available
Underwriting Notes and Minimum Premiums
Colonial General underwrites each account individually, considering store size, operations, location, and exposures. While no set minimum premium is listed, accounts should be within the small retail food space to qualify. Agents are encouraged to submit complete applications to improve turnaround and quoting accuracy.
Territories and Availability
This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, depending on the risk and coverage needs.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche retail risks. Their access to a variety of markets and flexible underwriting makes them a strong partner for agents placing small grocery and convenience store business. Whether you're working with a local corner store or a small gas-and-grocery combo, Colonial General can help you find the right coverage solutions.
To learn more about this program or to submit a risk, visit the Colonial General Insurance Agency, Inc. company profile.
Frequently Asked Questions
What types of accounts are a good fit for this Grocery Store Insurance program?
Small grocery and convenience stores under 3,000 square feet, including those with fuel sales or a single automatic car wash bay, are ideal candidates.
Is Liquor Liability included in the policy?
Yes, Liquor Liability coverage is available as part of the Commercial General Liability section of the program.
What states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are admitted markets used for this program?
Admitted markets are available in some states, depending on the specific risk and coverage needs.
Can I submit accounts larger than 3,000 square feet?
This program is designed for stores 3,000 square feet or less. Larger accounts may be considered on an exception basis but may not fit standard underwriting guidelines.
Need help placing an account? Connect with a market specialist.