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A convenience store is several risky businesses under one roof — fuel, alcohol, prepared food, and around-the-clock operations. That mix is exactly why an off-the-shelf policy falls short. We build coverage for Michigan c-stores, gas stations, and party stores that accounts for the fuel under the lot and the cooler in the back.
Fuel storage, alcohol sales, prepared and refrigerated food, cash on hand, and 24-hour operations each create their own risk — and together they add up fast. We help Michigan store owners cover the whole picture, including the environmental exposure from the tanks beneath the lot that a standard policy often excludes. It's part of our broader food & beverage program.
From single-pump stops to busy 24-hour stores, we write coverage for Michigan operations of every kind:
Protection for above-ground and underground pumps and dispensing equipment.
Coverage for tank leaks and contamination that a general liability policy excludes.
For alcohol sales — with assault & battery coverage and training discounts available.
Covers refrigerated and prepared inventory lost to equipment or power failure.
Helps replace income, including losses from off-premises utility interruption.
Protection against internal theft of cash and inventory.
Selling beer, wine, or packaged liquor adds exposure a general liability policy won’t address. Depending on the carrier, liquor liability options can include:
Coverage is subject to underwriting and is not bound or altered until confirmed by an authorized representative. This page is a general overview, not a contract or a quote — contact a local Top O' Michigan agent for the coverages and limits that apply to your store.
Typically property and general liability, plus store-specific coverages: fuel pump coverage, environmental pollution for fuel systems, liquor liability if you sell alcohol, and food spoilage. Coverage is subject to underwriting.
Usually, yes. Underground tanks and fuel systems carry environmental exposure that standard policies often exclude, and pollution coverage helps with leaks, spills, and cleanup.
If you sell alcohol, it’s important. Liquor liability covers claims related to alcohol sales that general liability typically excludes.
It can be. Spoilage coverage helps with refrigerated and frozen inventory lost to an equipment or power failure — we confirm the right limits for your store.
Yes — convenience stores, gas stations, party and liquor stores, stores with a deli or prepared food, and 24-hour, high-traffic locations. Coverage fits your operation.
From the pumps to the cooler, let's build coverage that fits your operation. Talk with a local Michigan agent today.
