Convenience Stores & Grocery Store Insurance

Your Business Needs Are Unique, Let Us Help!


With McInturf-Fulmer Insurance Group’s Businessowners PLUS Convenience Store or Grocery Store program, our comprehensive insurance coverage is specifically designed to meet the needs of your business. We understand exposures that are unique to you, and for that reason, we include the following coverages on all

Grocery Store and Convenience Stores:

  • Spoilage – Equipment Breakdown - $100,000
  • Spoilage – Contamination & Power Outage - $10,000 – pays for loss of perishable stock
  • Food Contamination – Business Income / Extra Expense - $10,000 – helps cover expenses incurred as a result of your business being ordered to close by the Board of Health or another governmental authority
  • Food Contamination – Advertising Expense - $3,000
  • Credit and Fund Transfer Card Invoices - $5,000
  • Inventory and Appraisal Expense - $1,000
  • Loss of Keys - $1,000 – pays for the cost to replace locks and keys at your premises due lost keys for reasons other than theft
  • Business Interruption and Extra Expense – for the actual loss sustained of 12 months
  • Equipment Breakdown Coverage – Our policy protects you against the breakdown of mechanical, electrical and production equipment due to the electrical disruption, power surges and short circuits, as well as steam boiler explosions
  • Comprehensive Identity Management Services


Still Need More Coverage?

We offer the following optional coverages:

  • Service Station Endorsement – extends the definition of building and business personal property to include underground fuel storage tanks, the contents of such tanks & pumps, and piping and connections of such tanks
  • Liquor Liability
  • Employment Practices Liability


Eligibility Requirements

  • 24-hour operations are eligible
  • Cooking exposures are acceptable if guidelines are met
  • Convenience Food Stores require a Central Station Burglar Alarm
  • More Automatic Coverages*
  • Accounts Receivable - $15,000
  • Automatic Liability Coverage for Newly Acquired Stores – 90 days
  • Business Personal Property Off-Premises - $15,000
  • Damage to Premises Rented to You - $100,000
  • Employee Dishonesty - $10,000
  • Fire Department Service Charge - $5,000
  • Fire Extinguisher System Recharge - $5,000
  • Forgery or Alteration - $2,500
  • Identity Theft Expense Coverage - $2,500
  • Increased Cost of Construction - $10,000
  • Lock & Key Replacement - $1,000
  • Medical Expenses - $5,000
  • Money & Securities – Inside/Outside - $5,000/$2,000
  • Money Orders & Counterfeit Money - $1,000
  • Newly Acquired Locations – Business Income - $5,000
  • Newly Acquired or Constructed Buildings - $250,000 and 30 days
  • Newly Acquired Business Personal Property - $100,000 and 30 days
  • Outdoor Property - $5,000
  • Outdoor Signs - $5,000
  • Reward Payment - $5,000
  • Valuable Papers & Records – Off Premises - $5,000
  • Valuable Papers & Records – On Premises - $10,000
  • Water Back-Up & Sump Pump Overflow - $5,000
  • Water Back-Up & Sump Pump Overflow – Business Income - $5,000

*Insurance coverage by McInturf-Fulmer can be tailored to provide specific coverages for your needs. Most of the coverages included can be increased and other coverages added to round out your policy. A bundle of coverages can be added by purchasing the BOP Platinum Plus Endorsement.

Business Insurance Coverage

Contractors

HVAC, residential & commercial builders, plumbers, electricians, roofers, carpentry, asphalt & concrete, excavation, fencing, floor covering installers, handyman, lawncare/landscaping, masonry, painters, pressure washing, septic tank cleaning/installation, tree trimming & removal.

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Auto Service

Auto repair, body shops, used auto dealer, car wash.

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Office/Professional

Attorney, CPA, Medical/Physician, Funeral Home, Dentist, Veterinarian, Barbershop/Salon.

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Surety Bonds

Bid, performance, license & permit, ERISA, Fidelity, lottery agent, probate, guardianship, estate, administrator, septic installer/service provider or septage hauler.

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Food Service

Restaurants, pizza shops, deli’s, food trucks, concessionaires, breweries, distilleries, wineries.

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Retail

Convenience store, carryout, gas station, florist, furniture stores, grocery stores, natural food stores, power equipment dealer, auto parts store, liquor store.

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Sports/Recreation

Golf course, campgrounds, zip lines, fitness studios, yoga studios, personal trainers, hunt clubs, archery ranges, rifle/pistol ranges, canoe & tube rental, inflatable rentals.

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Landlord

Apartments, strip centers, shopping centers, rental dwellings.

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Non-profit/Social Service

AODA treatment programs, food pantries, hospice, victims’ services, shelters. Civic & social clubs, church’s.

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Church Insurance

No one likes to think of the likelihood or the aftermath of a fire, a tornado, or even vandalism. But these and other similar disasters can happen to your church when least expected.

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Campground Insurance

An insurance designed especially for campground operations. It’s important that your campers enjoy themselves and have fun and safe stay.

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Car Wash Insurance

Buff your coverage to a spot-free shine with McInturf-Fulmer Insurance Group’s Businessowners PLUS Car Wash Program, where our comprehensive insurance coverage is specifically designed to meet the needs of your car wash business.

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Used Auto Dealer Insurance

As a dealership owner, you take pride in matching your customers with the right make and model. Shouldn’t your insurance company take the same care and find you the perfect fit?

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Vaccant Property Insurance

Is there empty space in your insurance coverage?

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Outdoor Adventure Program Insurance

If a client is injured or your property is damaged, you’ll need an experienced team of claim professionals who will be dedicated to handling your loss. McInturf-Fulmer Insurance provides protection for many outdoor adventure operations of all sizes.

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Renovation Program Insurance

McInturf-Fulmer’s Renovation Program will provide you with the coverage you need throughout the project, as well as upon completion. Once your renovations are finished, your policy can be converted for completed building coverages.

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Sports & Leisure Program Insurance

If a client is injured or your property is damaged, you’ll need an experienced team of claim professionals who will be dedicated to handling your loss. McInturf-Fulmer Insurance provides protection for thousands of sports-related businesses.

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Self Storage Insurance

With McInturf-Fulmer Insurance Group’s Businessowners PLUS Preferred Self-Storage Program, our comprehensive insurance coverage is specifically designed to meet the needs of your self-storage business.

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Convenience & Grocery Store Insurance

With McInturf-Fulmer Insurance Group’s Businessowners PLUS Convenience Store or Grocery Store program, our comprehensive insurance coverage is specifically designed to meet the needs of your business.

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