C-StorePro™
NIP Programs is pleased to offer an insurance program designed specifically to service Convenience Stores, C-StoreProTM. This program provides all-lines coverage (including Workers Comp and Umbrella) and many coverage enhancements tailored specifically to the unique insurance needs of Convenience Stores, both those with and without retail gas sales.
Program Highlights
- Eligible States: AK, AZ, CA (No WC), CO, DE, IA, ID, IN, MD, MI, MN, MT, NC, ND, NJ, NM, NY (No WC), OH, OR, PA, SC, SD, TN, UT, VA, WA, WI, WY
- A.M. Best “A Rated” Admitted Carrier Partner (Excellent, Company Size XII)
- ISO-Based Admitted Package Product
- C-Store Expertise for risk control guidance and proper valuation of your client’s operations, property and equipment
- Highly Competitive Rates
- Exceptional Customer Service
- Quick Turnaround for Quotes
Eligible Exposures
- Convenience Stores (with or without retail gas sales)
- Minimarts
- Country Stores
- Health Food Stores
- Delis
- Ethnic Markets
Ineligible Exposures
- Alcohol sales greater than 30% of total sales
- Gas Sales greater than 90% of total sales
- Ineligible States: AL, AR, CT, FL, GA, HI, IL, KS, KY, LA, MA, ME, MO, MS, NE, NH, NV, OK, RI, TX, VT, WV, and Washington DC
Lines of Business
- General Liability – Premises and operations (up to $1m per occurrence/$2M General Aggregate; $2M Products/Completed Operations Aggregate)
- Building and business personal property
- Liquor Liability
- Business Income Actual Loss Sustained
- Business Auto Liability and physical damage
- Gasoline Pumps and Canopy
- Umbrella
- Workers’ Compensation (Statutory Limits)
- Market Advantage enhanced coverage
Minimum Premium
- $500 GL
Submission Requirements
- Completed and signed ACORD applications and NIP C-StorePro Supplemental
- Complete description of operations
- 3 years plus 1 current year of currently valued, hard copy loss runs for all lines of business being requested. Loss runs should be valued within the past 90 days and include a brief description of all claims over $10,000
- MVRs for all drivers of company vehicles (if auto coverage requested)
- Workers Compensation: Description of safety initiatives, hiring practices, return-to-work and drug testing programs; Experience Modification Worksheet and 3-5 year history (if available)
