Convenience Stores & Grocery Stores

Business Owners Plus

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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.

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Please note that NO changes to your policy or coverage are binding by submitting Online Forms & Requests. Change requests will only be considered bound upon confirmation from your Broker/Agent.