Convenience & Grocery Stores
Property Coverages
Building
- Building
- Canopy
- Gas Pumps
- Underground tanks & Piping
- Car wash bays
- Appurtenant Structures
- Permanently installed machinery and equipment
- Exterior Glass
Business Personal Property
- Furniture, fixtures, machinery, equipment & stock
- Improvements you’ve made as a tenant
- Outdoor signs
Business Income
- No waiting period
- Ordinary payroll with options to increase 360 days
- Actual loss sustained is included
- Increased period on indemnity
- Extra Expense – Actual Loss Sustained
Additional Coverages
- Back up of sewer and drain water
- Increased cost of construction
- Spoilage from power outage
- Equipment Breakdown
Increased limit coverage options
- Crime coverage
- Employee dishonesty
- Property in transit
Liability Coverages
- PST/UST for TCEQ Compliance (Pollution Liability for underground storage tanks)
- Premises/operations
- Personal and advertising injury
- Tenants property damage legal ability
- Products/ completed operations
- Medical payments/ sub limits
- General aggregate limit applies per premises
- Automatic “additional insured” status for those specified
- Liquor liability
- Hired and non owned auto
Life & Health
- Life
- Medical
- Dental
- Vision
- Disability
Other Coverages
- Ordinance or law
- Retail PLUS Endorsement
- Pollution clean up and removal
- Group Occupational Accident
- Workers Compensation
- Umbrella
- Management liability
- Cyber liability
- Transit
