If you are in the C-Store business, you understand the importance of having a well-designed insurance policy to cover your most valuable asset…your business. Whether you’re a single location or a multi-store operation, Barbee Jackson Insurance has the coverage you need at a price you can afford. We have been helping Convenience Store Owners and Grocers for more than 15 years find the right coverage at the right price. Our knowledgeable agents not only understand C-store Insurance, but also have family members that work in the convenience store business. This has allowed us to understand your operations and design insurance policies that are tailored fit to your business.
C-Store Insurance Program Eligibility
- Gas Station
- Part Gas Stations, Part Restaurant
- 24 House Convenience Stores
- C-Stores with a trucking
- Coverage available in Alabama, Florida, and Georgia only
If you meet the above criteria..then we can help!
- Building and Business Personal Property plus Inventory Coverage
- Canopy Coverage including wind
- Liquor Liability
- Environmental Coverage
- Business Interruption
- General Liability
- Food Spoilage
- Employee Dishonestly
- Non-owned and owned auto
- Money and security including lottery tickets
- Workers Compensation
- Cyber Liability
- Attached and Detached Sign Coverage
Ready to make the call! Dial 850-389-2001 or click the icon below.
You Must Ask Yourself…What is Covered on your Current Georgia, Alabama or Florida Convenience Store Insurance Policy?
We run into this problem all the time. Convenience store owners purchase an insurance policy from their local retail insurance agent. The local agent mostly writes home and auto insurance and doesn’t have the knowledge and experience to handle the complex issues of convenience store insurance. That’s why it is best to consult a commercial lines only insurance agency that handles your type of business. We understand your risks and work with the right insurance carriers to maximize your coverage options while finding you the lowest possible price. Don’t wait until a claim happens to find out if you are covered. Get the right coverage and the right price at Barbee Jackson Insurance.
Is the canopy covered?
In 90% of the policies we review for our clients the answer is surprisingly NO. With the average cost of a canopy exceeding $40,000 this coverage is mostly ignored by agents and C-store owners. Why wouldn’t you want to protect such a valuable asset from things like tornadoes and hurricanes.
Does your policy contain Business Interruption?
In case of a devastating loss you need coverage to compensate you for lost income. Business Interruption covers potential revenue loss based on your prior financial history. A must have coverage option for convenience store owners.
Does my policy include Liquor Liability and why do I need it?
When you sell alcoholic beverages you risk selling to an underage individual or an intoxicated person. Liquor Liability would protect your business in case you are held liable for property damage or injuries caused by an intoxicated person that purchased alcohol at your store. Unfair…YES, but don’t wait until an unfair claim happens to find our if you have the proper coverage.
Is your building covered for Replacement Cost or Actual Cash Value (ACV)?
Depending on your policy and the insurance carrier, you could have either Replacement Cost or ACV. It is important to understand the difference. Replacement Cost would replace or repair the property with similar construction in today’s money without depreciating the property. Actual Cash Value depreciates the property based on the age of the property and in case of a loss you may receive less money to fix or replace the property then the actual cost to replace or repair.
Is Cyber Crime coverage included on my policy?
In most cases your policy has limited or no coverage against cyber crimes, such as a criminal installing a skimming device on one of the pay pumps. Your business can be held liable and without Cyber Insurance the potential for a large loss is great.
The BIG question…Does my current agent understand my business?
Nine out of ten times the answers is NO. Most retail agencies have little experience or training working with C-Store operations. This means they may be missing valuable coverage’s you need. Like always, it’s best to consult with an agency that specializes in commercial insurance. At Barbee Jackson Insurance this is all we do and we are the experts when it comes to C-Store Insurance.