From theft and liability to property damage and product spoilage, convenience stores face unique risks every day. Eastern Insuring Agency helps New York convenience stores stay protected with coverage designed for your business.
Cash, lottery tickets, tobacco, and high-turnover inventory can make you a target.
Cash, lottery tickets, tobacco, and high-turnover inventory can make you a target.
Fire, water leaks, vandalism, or equipment failure can shut down your store.
A covered loss can stop your business and impact your income and cash flow.
Covers your building, contents, inventory, fixtures, and equipment.
Protects against bodily injury, property damage, and personal injury claims.
Helps replace lost income if you can't operate due to a covered loss.
Covers business-owned vehicles used for deliveries, errands, and operations.
Adds an extra layer of liability protection above your primary policies.
Covers medical costs and lost wages if you have employees.
Covers the repair or replacement of vital equipment and systems.
Helps protect against data breaches, cyber threats, and payment fraud.
Covers theft, robbery, employee dishonesty, and other financial losses.
Protects against employee disputes, harassment claims, and more.
Your past losses and claim trends
Cameras, alarms, locks, and cash management
Safe procedures for deposits and reconciliation
Stock management, shrinkage, and storage practices
Neighborhood risks, traffic, and crime rates
Training on safety, age verification, and policies
Sprinklers, fire alarms, and suppression systems
Business financials and cash flow strength
Building, equipment, HVAC, and system maintenance
Theft of cash, cigarettes, lottery tickets, and merchandise.
Customers can slip on wet floors or icy sidewalks.
Graffiti, broken windows, and property damage from vandalism.
Fires can damage your store, inventory, and equipment.
Leaking pipes or roof issues can damage inventory and equipment.
Refrigeration or HVAC breakdowns can cause spoilage and lost sales.
A convenience store typically needs general liability, property, workers' compensation, and crime coverage. Commercial auto coverage may also be needed for business vehicles.
If you sell alcohol, liquor liability coverage is strongly recommended and may be required depending on your operations. It helps protect against alcohol-related claims.
Standard policies usually do not cover lottery ticket losses. You may need specialized crime or lottery coverage for added protection.
Yes, ATM machines can often be covered under property or equipment coverage. Additional protection may be available for theft or vandalism.
Yes, in most cases, certificates of insurance (COIs) can be issued the same day. This helps you meet landlord, supplier, or licensing requirements quickly.
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