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Allstar Financial Group
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Allstar Financial Group
Contact Us
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Convenience Store Insurance

Convenience Store Insurance

Allstar Financial Group offers a comprehensive Convenience Store Insurance program designed to meet the unique risks faced by independent convenience store owners. Through our specialized underwriting division, Allstar Underwriters, we provide access to tailored coverage options including Property, Casualty, Liquor Liability, and Umbrella insurance. This program is built for agents and brokers looking to quickly quote and bind policies for small business clients.

Ideal Accounts and Appetite

This program is ideal for a wide range of businesses operating in the retail and service sectors. In addition to convenience stores, we can consider risks in categories such as:
  • Retail establishments
  • Wholesale outlets
  • Vacant properties (select cases)
  • Contractors, offices, and institutional properties
Whether your client is a single-location store or operates multiple sites, we can accommodate Total Insured Values (TIV) up to $5 million per location.

Coverage Highlights and Advantages

Property Coverage Includes:
  • TIV up to $5 million per location
  • Monoline or package options available
  • No coinsurance options (varies by risk)
  • Optional enhancements such as equipment breakdown coverage
Casualty Coverage Includes:
  • Available as monoline or package
  • Minimum premiums starting at $500
  • Primary limits up to $5 million/$5 million
  • Project-specific policies available
  • Coverage for uninsured subcontractors
  • Optional endorsements, including:
    • Blanket additional insured
    • Waiver of subrogation
    • Primary non-contributory wording
    • Per project/per location aggregate
    • Hired & Non-Owned Auto (select classes)
    • Miscellaneous professional liability (select classes)
Liquor Liability Coverage:
  • Limits ranging from $100K/$100K up to $1 million/$2 million
  • Monoline or packaged with GL
  • Assault & Battery coverage follows General Liability
  • Available in NC, SC, GA, TN, and VA
Umbrella Coverage:
  • Limits up to $5 million
  • Minimum premium starts at $750
  • Available on a supported or unsupported basis
  • Underlying requirements include:
    • General Liability and Auto: AM Best A-VI or better
    • Employers Liability: AM Best B++ or better
    • GL limits of $1 million/$2 million/$2 million

Underwriting Notes and Minimum Premiums

We offer flexible underwriting with the ability to quote both monoline and package policies. Minimum premiums vary by coverage type, with General Liability starting at $500 and Umbrella at $750. Optional coverages and enhancements allow you to tailor each policy to your client’s specific exposures.

Territories and Availability

The Convenience Store Insurance program is available in most states, with a strong focus on the Southeast. Currently, Allstar is actively writing this program in:
  • Alabama
  • Georgia
  • Louisiana
  • North Carolina
  • South Carolina
  • Tennessee
  • Virginia

Why Work With Allstar Financial Group

As a trusted Managing General Underwriter and Excess & Surplus Lines Broker, Allstar Financial Group brings deep underwriting expertise and access to multiple carriers. Our small business solutions division is designed to make quoting and binding simple and efficient for busy agents. Whether you're placing a single-location account or managing a portfolio of retail risks, our program is built to support your success. You might have a client operating a convenience store with fuel sales and limited liquor exposure—we can help you build a customized package that meets their needs. Or perhaps your client owns a vacant retail property awaiting a new tenant—we have solutions for that as well. Let our experienced underwriters help you find the right coverage quickly while navigating the complex needs of small retail risks.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for convenience stores, retail shops, wholesale outlets, vacant commercial properties, and certain institutional or office risks.

Is liquor liability coverage available in all states?

No, liquor liability is currently available in North Carolina, South Carolina, Georgia, Tennessee, and Virginia.

Can I write monoline General Liability or Property policies?

Yes, both monoline and package policies are available depending on the account type and coverage needs.

What are the minimum premiums for this program?

Minimum premiums vary by coverage, starting at $500 for General Liability and $750 for Umbrella policies.

Do you offer coverage for vacant retail properties?

Yes, vacant properties may be eligible depending on underwriting criteria. Contact an underwriter to review specific risks.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Underwriter and Excess & Surplus Lines Broker
  • Admitted:
    Most Available States
  • Carriers:
  • Carrier Ratings:
    A
  • Commission:
    -
  • Min Premium:
    varies

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CONTACT INFORMATION

LOCATION

600 NC Hwy. 42 West
Clayton, NC 27520
877-950-3222
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Allstar Financial Group has other insurance programs like Apartment/Condo Insurance.