SMI Retail Scene

What's Yoursurance
for your convenience store?

No matter what kind of retail business you are in, you need protection for the unique risks you face working with the public everyday.

Switching is easier than you think, and the right insurance is really affordable.

The convenience store insurance basics.

How do I decide on what to protect with my convenience store?

Protect your business, its assets and your income with a tailor made package unique as your business.

A complete insurance package for your Convenience Store will be developed by your SMI insurance specialist. We will visit your store, talk with you about your risks & operations and make real recommendations for the best package and price for you.

Yoursurance: What you should protect for your convenience store


Coverage for loss or damage to your buildings if you own it as a result a claim such as fire, wind, water, theft and other unexpected incidences.

Stock, Equipment & Contents

Protecting your stores against loss or damage to your property such as product, inventory, POS systems, shelving, furniture and computers.

Business Vehicles

Coverage for vehicles used or registered to your business. This allows your employees or others to drive with coverage for liability, accident benefit collision, comprehensive, loss of use, should an accident occur.

Peak Season

Extends additional coverage for higher levels of stock and inventory during your busiest times of the year.

Cyber Risk

Designed to help in recovery of retail software containing customer data, and lawsuits associated with breach of information.


Coverage for financial loss of currency or inventory from employee dishonesty, inside or outside robbery, fraud and forgery.

Loss of Income / Business Interruption

Coverage for replacing lost income as a result of interruption of your regular business operations due to a loss, or claim. Options for extra expense incurred for relocation and advertising.

Commercial Liability

Coverage to protect your business against claims made by others for bodily injury and property damage, products, services and advertising that arise from your business operations

Tenants Legal Liability

Coverage for Tenants liability exposure regarding loss or damage to the property they rent.

Non-Owned Auto Liability

Coverage for you and your employee drivers for liability should an accident occur during business use.