Your convenience store keeps Arkansas moving – early mornings, late nights and everything in between. Whether you’re selling gas, snacks or lottery tickets, your business faces unique risks. One surprise expense (like a robbery, customer injury or freezer malfunction) can put your whole company at risk. We believe in your business and want you to have affordable insurance that meets state requirements and protects your property, team and income. This quick guide breaks down:
A Business Owner’s Policy for convenience stores bundles general liability, property insurance, and optional business interruption coverage.
General liability insurance for convenience stores covers injuries and damages caused by your business, along with advertising-related claims.
Commercial umbrella insurance for convenience stores provides extra coverage when other key policies reach their limits.
Working with Mylo can help you find the right coverage at the best value!
Here are five essential coverages every convenience store owner should consider to stay protected and profitable:
A business owner’s policy (BOP) is a smart starting point for convenience store owners. It bundles key coverages into one affordable package – ideal for new or growing stores. Your BOP typically includes:
GENERAL LIABILITY FOR CONVENIENCE STORES Covers legal and medical costs if a customer or other visitor is injured – or their property is damaged – while visiting your store. It also protects you from advertising-related claims. Examples:
CONVENIENCE STORE PROPERTY INSURANCE Helps repair or replace your space and equipment if disaster strikes – like fire, theft, or vandalism. Examples:
BUSINESS INTERRUPTION INSURANCE Replaces lost income if you need to temporarily close your store due to covered property damage.
If you have three or more employees, Arkansas requires workers’ compensation. It covers medical care and lost wages for staff injured on the job – and shields you from most employee lawsuits. Examples:
Because your business regularly takes cash and is open 24 hours, it's especially vulnerable to employee theft. Crime insurance for convenience stores helps you reimburse employee theft of:
If you sell alcohol, liquor liability is highly recommended. This protects you against alcohol-related claims, such as serving an intoxicated person who later causes harm.
Think of this as insurance for your insurance! A commercial umbrella insurance policy for convenience stores provides extra protection when other key policies like your general liability reach their limits.
Your stellar store deserves protection that keeps up with your business. Mylo has been innovating insurance for 10 years and and connected 75,000+ small business owners with 100,000+ policies. Because we don't sell our own insurance, we can give you an objective recommendation and find you the best value in Arkansas – at no cost to you.
In minutes, we will: