Convenience Store Insurance

Convenience Store Insurance Program From Colonial General

Colonial General Insurance Agency, Inc. offers a Convenience Store Insurance program designed for independent agents and brokers placing small grocery, food, and convenience retail accounts. The program targets compact retail locations and supports accounts that may include fuel sales or a limited automatic car wash bay. With access to both admitted and non-admitted markets, Colonial General combines specialty underwriting with flexible placement options.

Ideal Accounts and Appetite

This program is intended for retail locations that are 3,000 square feet or less, including:

• Convenience stores (with or without fuel sales)
• Small food marts and corner grocery stores
• Locations with a single coin-operated, drive-through, automatic car wash bay

Good fits are high-traffic neighborhood stores, owner-operated mini-marts, or retail sites that supplement sales with limited services. Accounts that exceed the size threshold, have full-service car washes, heavy auto service operations, or unusual high-hazard exposures may be outside the program's appetite.

Coverage Highlights and Advantages

Commercial General Liability

• Primary limits up to $3,000,000 occurrence / aggregate
• Liquor liability available when applicable
• $5,000 Medical Payments—included
• Additional interests included
• Excess/umbrella capacity up to $25,000,000
• No deductible required for general liability

Property Options

• Building and contents coverage
• 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 available
• Choice of replacement cost or actual cash value

Crime Coverage

• Theft of money and securities—inside the premises
• Robbery and safe burglary—inside the premises
• Theft or robbery—outside the premises

Underwriting Notes and Minimum Premiums

Colonial General underwrites each risk individually to align coverage and pricing with the account’s exposures. The program is structured to be competitive for small retail accounts; general liability has no deductible, which can simplify loss handling for insureds. Specific minimum premiums vary by market and state—contact Colonial General for details on a particular submission.

Territories and Availability

This program is available to licensed agents and brokers in the following states: AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted markets are available in some states; non-admitted placements are also offered depending on the risk and carrier appetite. Reach out to Colonial General for state-specific underwriting eligibility and admitted/non-admitted options.

Why Work With Colonial General?

As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides access to a broad set of specialty carriers suitable for small retail exposures. Their underwriting team focuses on pragmatic, tailored solutions for convenience stores and small food retailers, helping you place accounts that might otherwise be hard to place in standard markets. Colonial General can assist with flexible limits, crime and property endorsements, and excess capacity when needed.

Example Accounts You Can Place

• A 1,200 sq. ft. neighborhood convenience store that sells packaged beer and needs liquor liability and property coverage.
• A 2,800 sq. ft. food mart with a single automatic coin-operated car wash bay seeking combined liability, property, and crime protection.

Frequently Asked Questions

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