Apr 17 2026 16:32

Stocked, Secured, Covered: A Better Way to Insure Convenience Stores

C-Store Property Insurance | High-Limit Coverage

 

Convenience stores are fast-paced, high-exposure businesses—fuel pumps, canopies, inventory turnover, and extended hours all create unique underwriting challenges. As an agent, placing these risks can be frustrating when standard markets fall short.

 

That’s where this specialized convenience store property insurance program comes in. We make it easier for retail agents to place complex risks with broad, customizable coverage, high-capacity limits, and solutions for coastal and high-risk properties.

 

Why Agents Choose Our Convenience Store Program

 

1. Built for Real-World Risks

Convenience stores aren’t one-size-fits-all—and neither is this coverage.

 

We offer:

  • 100% replacement cost coverage
  • Flexible policy structures(primary, excess, and full value)
  • Support for high total insured values (TIVs) —up to $500M

 

This gives you the ability to confidently place both single locations and large schedules.

 

2. Smart Solutions for Coastal Properties

Coastal risks often kill deals—but we help you keep them alive.

 

In Tier 1 coastal counties, this coverage:

  • Excludes wind & hail on pumps, canopies, and signs
  • Allows greater flexibility for underwriting and pricing
  • Opens doors to accounts that standard carriers decline

 

This targeted approach helps you write more business in tough territories without sacrificing viability.

 

3. Broad Property Coverage Options

This program supports multiple peril structures so you can tailor coverage to your client’s needs.

 

Can be written as:

  • Special Form Coverage
  • Wind & Hail Only
  • Earthquake Coverage

 

This flexibility allows you to match coverage to exposure, not force accounts into rigid packages.

 

Fully Stocked Protection: Coverage Highlights

 

This program is built to cover the real exposures convenience stores face every day:

 

Core Features
  • Limited Access Facility eligibility
  • Primary, excess of loss, and full value policy options
  • Scalable coverage for multi-location risks

 

Key Enhancements
  • Equipment Breakdown – Protect critical systems like refrigeration and fuel infrastructure
  • Ordinance or Law Coverage – Helps cover costly code upgrades after a loss
  • Spoilage Coverage – Up to $25,000 for perishable goods
  • Water/Sewer Backup – Up to $25,000
  • Property Extension/Enhancement Endorsement – Added flexibility and protection

 

Capacity That Helps You Win Accounts

We understand that larger risks require serious capacity.

 

This program offers:

  • 100% insured-to-value replacement cost
  • Up to $500M TIV
  • 100% participation on the first $50M
  • Access to markets for higher-risk properties (35K MP)

 

This means fewer coverage gaps—and fewer lost deals.

 

Why This Coverage Matters for Your Clients

 

Convenience stores face unique exposures that standard property policies often overlook:

 

  • Fuel pumps and canopies increase catastrophe exposure
  • High inventory turnover creates spoilage and business interruption risks
  • 24/7 operations increase equipment strain and breakdown frequency
  • Older buildings may trigger ordinance or law costs after a loss

 

This program is designed to address these realities—helping you deliver meaningful protection, not just a policy.

 

A Broker That Helps You Close Business

 

We’re not just providing markets—we’re helping you win.

 

When you work with us, you get:

  • Access to hard-to-place property solutions
  • Flexible underwriting for challenging risks
  • A partner who understands retail and fuel exposures
  • Fast, responsive support to keep deals moving

 

Ready to Submit a Risk?

 

Getting started is simple. To review your convenience store account, we’ll need:

  • ACORD Application
  • Loss Runs
  • Statement of Values (SOV)

 

Submitting is easy! Just send those 3 things to submissions@soudersgroup.com   and we will get to work on securing your client the best policy we can! 

 

Let’s Help You Write More Convenience Store Business

 

If you’re struggling to place a convenience store risk—or just want a more competitive option—this program gives you the tools to succeed.

 

Reach out today and see how we can help you bind more business, faster.