Overview of the Program From Southern Insurance Underwriters
Our exclusive standard lines market allows you to place convenience store accounts that meet underwriting guidelines with comprehensive package options. Whether your client operates a single neighborhood store or a multi-location operation with gas pumps and food service, SIU can help you secure broad coverage with fast turnaround times and competitive pricing.
Ideal Accounts and Appetite
We actively write a variety of convenience store classes, including:
- Convenience Stores with or without Gas Sales
- Locations with Cooking on Premises (with appropriate suppression systems)
- Stores with Automated Car Wash Exposure
- Lessor’s Risk with Convenience Store Tenants
We can accommodate both standard and non-standard risks, making this program ideal for agents working with diverse clientele. For cooking operations, UL-300 Certified Automatic Fire Suppression Systems with active service contracts are required.
Coverage Highlights and Advantages
SIU provides robust coverage options tailored to convenience store exposures, including:
- Commercial General Liability
- Commercial Property
- Crime, Sign, Glass, Spoilage, and more
- Liquor Liability (available)
- Equipment Breakdown Coverage
- Property Enhancement Endorsements with 20+ Additional Coverages
These coverages are designed to protect against common risks such as theft, fire, equipment failure, and customer liability exposures—critical for businesses handling fuel, food, and 24/7 operations.
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on risk characteristics, location, and selected coverage. Our underwriting team works closely with agents to evaluate each submission on its merits. We welcome hard-to-place accounts and offer flexibility through both standard and non-standard markets.
Territories and Availability
This Convenience Store Insurance program is currently available in Alabama, Georgia, and South Carolina. SIU is well-versed in the regional exposures and coverage requirements within these states, helping agents place business efficiently and compliantly.
Why Work With Southern Insurance Underwriters, Inc.?
With decades of experience and a strong carrier network, SIU delivers value through underwriting expertise, market access, and responsive service. We understand the unique challenges of insuring convenience stores and provide tailored solutions that help agents grow and retain this niche book of business.
Whether your client owns a rural store with gas pumps or a city location with prepared foods and liquor sales, SIU offers a dependable market to help you protect their operations.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Convenience stores with or without gas sales, locations with food preparation (meeting fire suppression requirements), automated car washes, and lessor’s risk exposures with convenience store tenants are all eligible.
Is Liquor Liability included in the coverage?
Liquor Liability is available as an optional coverage for qualifying risks. Please submit full details for underwriting review.
What are the underwriting requirements for stores with cooking operations?
Cooking surfaces must be fully protected by a UL-300 Certified Automatic Fire Suppression System with a current service contract in place.
Which states is this program available in?
This program is currently offered in Alabama, Georgia, and South Carolina.
Can you place higher-risk or non-standard convenience store operations?
Yes, SIU offers access to both standard and non-standard markets, allowing us to consider a broad range of risk profiles.
Need help placing an account? Connect with a market specialist.