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Convenience store insurance is specialized commercial insurance for convenience stores and similar businesses. Policies typically come with a combination of liability and property protections.

Not insuring a business can leave it exposed to many potentially expensive risks, and this tends to be the best type of insurance for these businesses.
  • Building Coverage, which might cover an owned storefront building
  • Tenants Betterment Coverage, which might cover fixtures in a leased storefront space
  • Property Coverage, which might cover fixtures, equipment and inventory

What is convenience store insurance?

Operating a convenience store requires substantial investment, and that investment ought to be protected when possible. Convenience store insurance can help Massachusetts store owners protect their businesses from many different risks.

Convenience store insurance is specialized commercial insurance for convenience stores and similar businesses. Policies typically come with a combination of liability and property protections.

Convenience Store Insurance Massachusetts

What businesses in Massachusetts should purchase C-store insurance?

C-store insurance may be right for convenience stores, small general stores, mom-and-pop shops, corner stores, stands and bodegas. Most Massachusetts businesses like these should consider a policy.

Not insuring a business can leave it exposed to many potentially expensive risks, and this tends to be the best type of insurance for these businesses.

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    Winchester, MA

  • After many years of doing business with the Paul T. Murphy Insurance Agency, I am thrilled to learn of this relationship with Northrup to service the Lynnfield area. I have trusted both my personal and business policies with Paul and have never received less than the best of service. I like the face that they service as professionals but treat you like a friend. Recently during a complicated Workers Comp claim, Paul showed up to walk me through what I thought would be a mess of paperwork and confusion – the personalized service I receive spoke volumes. I have never gotten service like that from anyone else. I also like the fact that they are always ready to save me money without ever compromising my coverage.

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    Lynnfield, MA

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    Boston, MA

What coverages are available through C-store insurance policies?

In order to provide robust protection against a range of risks, most C-store insurance policies come with a variety of coverages. These typically include both property coverages and liability coverages.

Property coverages generally protect against damage to or loss of physical assets. Some property coverages that C-store policies might offer are:

  • Building Coverage, which might cover an owned storefront building
  • Tenants Betterment Coverage, which might cover fixtures in a leased storefront space
  • Property Coverage, which might cover fixtures, equipment and inventory
  • Spoilage Coverage, which might cover perishable items if they spoil during a disaster
  • Equipment Breakdown Coverage, which might cover vital equipment that malfunctions

Liability coverages generally protect against situations where a business could be sued. Some liability coverages that might be available are:

Stores may also choose to purchase commercial auto coverage, business interruption coverage or others. An insurance agent who specializes in C-store insurance can help review all available coverage options.

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Do convenience store policies protect against damage caused by floods?

Most C-store policies don’t include coverage for flood damage, instead leaving stores that want this protection to purchase it separately. A knowledgeable insurance agent can help with procuring a separate flood policy if this risk is a concern. Flood policies might be available through a national subsidized program or via the private market.

Convenience Store Insurance Massachusetts

How much are convenience store policies’ premiums?

The premiums charged for convenience store policies are based on many factors and thus vary from one policy to the next. A store’s location, size, annual sales, product mixture, and other details can all impact the cost.

The quickest and easiest way to find out how much insuring a particular store would cost is to compare customized quotes with an independent agent. Independent agents are free to request quotes from several insurance companies in the state.

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How can store owners in Massachusetts get convenience store insurance?

For help insuring a convenience store or similar store that’s in Massachusetts, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents have worked with many different businesses, and know convenience store policies well. We have the expertise necessary to help you find a convenience store insurance policy that’ll provide the protections your store needs.

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