Food & Hospitality

Convenience Store Insurance in Ontario

Open long hours, covered all of them.

Convenience retail mixes food, lottery, tobacco, and long hours — slips, theft, and robbery exposure run higher than most retail, and age-restricted products add compliance stakes.

We insure convenience stores with crime coverage and business interruption that respects extended trading hours.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Contents and stock coverage for inventory, furnishings, and supplies
Commercial crime coverage for theft and employee dishonesty
Spoilage coverage for refrigerated stock
Business interruption to replace lost income after a covered loss
Product liability for goods you make, sell, or distribute

Good to know

Frequently asked questions

Is robbery covered differently from shoplifting?: Yes — crime coverage addresses robbery and burglary; routine shrinkage from shoplifting is generally an uninsured cost of retail. Cameras, safes with drop slots, and cash limits reduce both the risk and the premium.
How much does convenience store insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get convenience store insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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What the package includes

Commercial general liability (CGL) for third-party injury and property damage

Contents and stock coverage for inventory, furnishings, and supplies

Commercial crime coverage for theft and employee dishonesty

Spoilage coverage for refrigerated stock

Business interruption to replace lost income after a covered loss

Product liability for goods you make, sell, or distribute

Frequently asked questions

Is robbery covered differently from shoplifting?

Yes — crime coverage addresses robbery and burglary; routine shrinkage from shoplifting is generally an uninsured cost of retail. Cameras, safes with drop slots, and cash limits reduce both the risk and the premium.

How much does convenience store insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get convenience store insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.