Convenient Store Insurance

Running a convenience store is a complex operation. From managing inventory and employees to ensuring the safety of customers, convenience store owners face unique challenges and risks every day. At Hixson and Malinowski Insurance Agency, we specialize in providing tailored insurance solutions to protect your business from unforeseen events and liabilities.

Why Convenience Store Insurance Matters

Convenience stores are exposed to a variety of risks, including:

  • Theft and Vandalism: Frequent customer turnover and late hours increase the likelihood of property damage and theft.

  • Employee and Customer Safety: Slip-and-fall accidents or employee injuries can lead to costly claims.

  • Inventory Loss: Power outages or equipment malfunctions can spoil perishable goods.

  • Liability Claims: Incidents such as selling age-restricted items to minors can result in legal action and fines.

Comprehensive insurance coverage ensures your business can recover quickly and continue serving your community.

Key Coverages for Convenience Stores

Our insurance policies are designed to address the specific needs of convenience store owners, including:

1. General Liability Insurance

Protects your business from claims related to:

  • Customer injuries on your property

  • Accidental damage to a third party’s property

  • Legal defense costs

2. Property Insurance

Covers your building, inventory, and equipment against:

  • Fire, vandalism, and natural disasters

  • Theft and break-ins

  • Equipment breakdowns

3. Workers' Compensation Insurance

Provides benefits to employees who are injured on the job, including:

  • Medical expenses

  • Lost wages

  • Rehabilitation costs

4. Liquor Liability Insurance (if applicable)

Required if your store sells alcohol, this coverage protects against claims arising from alcohol-related incidents.

5. Business Interruption Insurance

Helps cover lost income and operating expenses if your store is temporarily closed due to a covered event, such as a fire or natural disaster.

6. Cyber Liability Insurance

Protects your business from the financial impact of cyberattacks, including:

  • Data breaches

  • Customer credit card information theft

Why Choose Hixson and Malinowski Insurance Agency?

  • Customized Coverage: We work with you to create an insurance package tailored to your store’s specific risks.

  • Competitive Rates: Our partnerships with top insurers ensure you get the best coverage at the most affordable price.

  • Personalized Support: From policy selection to filing claims, our dedicated team is here to support you every step of the way.