STREETSMART INSURANCE AGENCY CONVENIENCE STORE INSURANCE CAN PROTECT YOUR BUSINESS
StreetSmart Insurance Agency understands how challenging it is to run a convenience store. A convenience store owner needs to maintain a keen eye on many things from stacking up the products to price watching. In the busy working hours of a convenience store owner, he has more than enough to worry about and the safety of his store is definitely not something that he should be left worrying. This is where convenience stores insurance can give you the peace of mind that you would expect.
Convenience stores insurance process is annoying for many owners because they seldom find an insurance agent that is knowledgeable in selling convenience store insurance products. Convenience stores are unique establishments and each store has different layout, store area and garage area of different sizes, varying employee strength and volume of business. It is only common sense to realize the importance of a custom approach to each store’s insurance needs over selling a ready-made convenience stores insurance product to various store owners.
A ready-made product will only give you the necessary coverage, nothing exceptional. We understand that each convenience store is on the lookout for a convenience store insurance that perfectly covers their high risk area and adequately cover the low risk areas, thus balances the premium of their policy.
Although we do not promote a ready-made convenience stores insurance program, we have a generic outline that gives our customers an idea about what to expect from our programs. But please feel free to contact us to customize these programs to get the best results.
STREETSMART INSURANCE AGENCY’S CONVENIENCE STORE INSURANCE PROGRAM’S AVAILABLE COVERAGE INCLUDES:
- Auto liability and physical damage – a convenience store owner is responsible for the store’s vehicles as well as the customer vehicles. Even a delivery truck’s responsibility is on your shoulders till it leaves your premises. This is why auto liability is a part of the convenience store insurance.
- Workers’ compensation – worker’s compensation is essential in protecting the monetary interests of your employees if something unfortunate happens and your business gets interrupted for a while.
- Umbrella – we understand that there is no way to predict each and every possibility of mishap but the only thing to do is making sure that adequate protection is taken. This is where umbrella liability coverage comes in. Umbrella liability coverage can protect you from unforeseen mishaps.
- Building and business personal property – protecting your property is the most important reason to buy an insurance program. The building and personal property coverage not only covers your building but it also extends the coverage to signs and other attachments in your establishment.
- Business income Loss – convenience stores are sensitive businesses. If they lose working days unexpectedly, the convenience store owner’s losses won’t be limited to the building and the day’s earnings but several commodities can go useless. If your loss of income is not sufficiently covered in such instances, you will end up paying for your losses from your pocket.
It goes without saying that the convenience store insurance also needs to cover optional areas of importance. Since the special nature of convenience stores, the owner has to closely work with the insurance agent to choose the right packages to ensure protection in the right areas.
- Liquor liability – when you sell alcohol, liquor liability coverage is essential part of your convenience stores insurance.
- Money and securities
- Market advantage enhanced coverage
- Building ordinance and law
- Employee dishonesty
- Computer coverage
- Food spoilage
- Utility services
- Identity recovery
We can help you to get insurance if you own convenience store chains. We make sure that our clients are getting adequate insurance within a very reasonable premium. Convenience stores can’t afford to miss out on coverage because of the enormous square footage of area that needs to be protected. Secondly, the inventory and fragile items that convenience stores stock up is also very huge.
You also need to make sure that the customer data is protected and data recovery charges are included as a part of your convenience store insurance. Data loss can turn out to be an expensive affair for convenience stores because most convenience stores can’t function with their existing customers if the data is lost. This is why the convenience stores insurance should come with the adequate data recovery protection.
Convenience store insurance also needs the regular protection offered by commercial insurance packages. For example, you can’t ignore crime coverage as a part of your convenience stores insurance because crimes can happen in different ways. For example, it is not necessary that a burglar break into your store and steal the cash but you can also lose money when an employee steals it or commit fraudulent activities without your knowledge.
There are numerous mishaps that can be unpredictable due to the commercial nature of your business. This is where umbrella liability coverage comes in. Simply put, convenience store insurance must be purchased carefully so that you are not missing out any coverage options. In order to do this, you need a highly experienced insurance agent. StreetSmart Insurance Agency can help you here.
We work closely with the leading insurance companies in the USA to give our clients the best product the market has in offer. We also make sure that our clients get the most competitive rates from various insurance companies. While it is imperative to consider the premium you are paying, you should also consider getting the right amount of insurance. Being under-insured for the sake of a law premium is not recommended, especially for convenience store insurance.
DON’T WAIT! GIVE US A CALL TODAY!
We know that buying the right insurance program is frustrating for our patrons. The too many products in the market can easily confuse you and you may end up with the wrong insurance product. Don’t worry about such mishaps anymore! StreetSmart Insurance Agency can help you to buy the best insurance package at the best price! Don’t wait! Give us a call now.