Insurance for Convenience Stores
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Choose from a range of covers to suit your business needs
Choose from a range of covers to suit your business needs
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From multiple insurers
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Buy online in minutes
Save Money
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Instant Cover
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What is convenience stores need insurance?
It makes sense to protect you from unpredictable risks by having the right insurance in place. Let BizCover take care of your business insurance needs by providing multiple competitive quotes, quicker than the time it takes to pour a Slurpee
Why do convenience stores need insurance?
Convenience stores may need business insurance for things like:
Replacing damaged stock.
Employee-related risks
Repairing property damage after fire or storm
Pay legal costs if there is a liability claim
Types of cover we offer convenience stores
BizCover has insurance options for busy convenience stores.
Tailor your quote to your business, compare cover, and buy online in minutes.
Popular cover types for convenience stores:
Grocery stores could also consider:
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
How much does convenience store business insurance cost?
With BizCover, insurance can be tailored to fit the size, risks, and needs of your business. The average cost of a Public Liability policy for a convenience store with BizCover is $186.
Your convenience store is unique. That means you might face different risks than the convenience store owner down the street and may pay a different price for your cover.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today
Select Profession
Pick Your Covers
Add Business Details
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Get Covered Online
5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
Instant policy docs to your inbox.
How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
Award-Winning Tech & People
We’re not ones to blow our own trumpet, but we are pretty proud of our innovative insurance platform, outstanding team, and stellar workplace.
See how much others have saved while purchasing policy through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently Asked Questions
Public Liability insurance is an important form of insurance to consider before opening the doors to your convenience store. It is designed to provide protection for you and your business in the event that a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities. For example, if someone slips in a puddle of water from a leaking drinks fridge.
Business Insurance (also known as a Business Insurance Pack) is a convenient way to bundle several types of cover that may suit your business needs. You can customise your Business Insurance Pack to include only cover that makes sense for your unique convenience store, like Contents and Stock, Money, Theft, Business Interruption, Employee Dishonesty and Machinery Breakdown insurance (just to name a few).
Do you own the building from where you operate your business? If yes, the Building insurance is designed to cover you for damage to your building due to fire and other perils listed within the policy wording. Contents insurance, on the other hand, covers your business contents or stock if they are damaged.
Glass insurance is designed to cover you for breakage of internal and external glass and signage you own or for which you are legally responsible at the insured premises. Glass can also include mirrors, porcelain and ceramics such as toilets and hand basins. Considering Glass insurance could be a good idea if you have a large shopfront with windows, or have an onsite bathroom that is available for the public to use.
Hear from our customers
Real-life customer reviews verified by Feefo
Excellent, thank you. Quick and easy to fill out
Susanne F
–
Easy site navigation easy to set up and a great price. After shopping around via phone and internet I still saved $300!
Ron R
–
Very easy procedure. A lot of time saved searching
Kym R
–
This was so easy, love it and will do all my insurances on line from now on
Karin S
–
Real-life customer reviews verified by Feefo