Ideal Accounts and Appetite
This program fits a broad range of convenience store operations, including:
- Standalone convenience stores
- Stores with gasoline sales and canopy-covered pumps
- Locations with liquor and tobacco sales
- 24-hour operations
- Multi-location businesses
You might have a client who runs a busy urban store with late-night hours and high foot traffic, or a rural location that includes fuel services and a small deli. The program’s appetite is broad enough to handle both scenarios, subject to underwriting review.
Coverage Highlights and Advantages
Available coverages are designed to protect against common and complex exposures in the convenience store industry. Options include:
- Property
- Food Spoilage
- Canopy and Gasoline Pumps
- Liquor Liability
- General Liability
- Workers’ Compensation
- Commercial Auto
- Umbrella
- Building and Personal Property
- Business Income
- Contents Coverage
From slips-and-falls and theft to employee injuries and equipment breakdowns, the program is structured to manage the full spectrum of potential losses common to convenience stores.
Underwriting Notes and Minimum Premiums
To deliver a competitive quote, Legends requires a complete submission. Required items include:
- Four years of loss runs (or fewer if the business is newer)
- Owner’s statement of qualifications
- Completed application
We will Not be able to quote without a Complete Submission.
Minimum premium varies by account size, coverages selected, and market. Most markets are available on an admitted basis, and Legends can access multiple carriers to match your client’s profile.
Territories and Availability
The Convenience Stores Insurance Program is available in most U.S. states, including: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Contact Legends for state-specific product availability and market options.
Why Work With Legends Environmental Services?
As a wholesale broker experienced in environmental and retail risks, Legends Environmental Services brings targeted market access, underwriting insight, and responsive service. We help agents place accounts that involve fuel operations, liquor sales, 24-hour staffing, and multi-location exposure. Our goal is to simplify placement, match accounts to the right carriers, and support you through binding and policy issuance.
For more information about the Convenience Stores Insurance Program or other products offered by Legends, call 714-955-1560.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for standalone convenience stores, stores with gas pumps, locations that sell liquor or tobacco, 24-hour operations, and multi-location businesses.
Do you offer coverage for stores with fuel pumps or liquor sales?
Yes. The program includes coverage options for gasoline pumps, canopy structures, and liquor liability—subject to underwriting review and site-specific eligibility.
What documentation is required for submission?
Submit a completed application, four years of loss runs (or fewer for newer businesses), and a statement of qualifications for the owner to receive full market consideration.
Are most markets admitted or non-admitted?
Most markets are available on an admitted basis. Legends also has access to multiple carriers to meet compliance and appetite needs across states.
Is there a minimum premium for this program?
Minimum premium varies based on risk characteristics and coverage selections. Provide a complete submission for an accurate quote.
Need help placing an account? Connect with a market specialist.