Convenience stores & gas stations · Edge · Hedge E&S
Hedge / Appetite / Convenience stores & gas stations
● Edge, case by case / P&C

Convenience stores & gas stations.

Convenience stores with or without gas. Pollution add-on for fuel storage.

NAICS   445120 · 447110
Also known as   c-store, bodega, corner store, deli
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Coverage

What we'd quote.

Standard limits on a clean convenience stores & gas stations submission. Excess towers structured on request.

Commercial Property $2M / loc Commercial Property wholesale → General Liability $1M / $2M General Liability wholesale → Storage Tank Pollution $1M / $2M Storage Tank Pollution wholesale → Crime $25K / $50K Crime wholesale →
Sweet spot

Where this fits cleanly.

When the file matches this profile we quote without referral.

01 Double-wall tanks, < 20 years old
02 Monitored alarm + cameras
03 Daytime/evening hours only
Submission

What we'll need to bind.

Pull these together with the file and we quote in hours.

  • 01Tank age, material, monitoring
  • 02Last leak detection test
  • 03Lottery / check cashing as % revenue
  • 04Hours of operation
  • 05Robbery history (5-year)
State nuance

Where the answer changes by state.

For these states, the verdict, the limits, or the subjectivities shift. Open the state page for the full picture.

Convenience stores & gas stations in Florida
FL · Edge, case by case
Tank pollution coverage mandatory; older tanks declined.
Convenience stores & gas stations in Texas
TX · Edge, case by case
TCEQ leak detection compliance required.
Related

Adjacent classes.

Often relevant to a submission in this class.

P&C Apartment buildings & multi-family P&C Auto repair shops P&C Churches & religious institutions P&C Course of construction
FAQ

Common questions.

Does Hedge write convenience stores & gas stations?

Case by case. Convenience stores & gas stations fits our broader appetite, but the specific file needs the extra detail in the Submission section before we can quote. Convenience stores with or without gas. Pollution add-on for fuel storage.

What does Hedge need to quote convenience stores & gas stations?

Tank age, material, monitoring; Last leak detection test; Lottery / check cashing as % revenue; Hours of operation; plus 1 more standard items. Pulling these together with the file gets you to a quote in hours.

Why is convenience stores & gas stations edge for Hedge instead of a clean yes?

Convenience stores & gas stations can fit, but specific files vary. The Sweet spot section above lists what we quote without referral; the Edge cases section flags the situations that push a submission to individual review. Send the file with the Submission items and we'll come back inside the hour with a quote, a clear set of subjectivities, or a redirect.

Does Hedge write c-store?

c-store is one of the ways brokers describe convenience stores & gas stations, and the same edge appetite applies: case by case. The Sweet spot section above covers what we quote without referral, and the Edge cases section flags what pushes a submission to individual review. Send the file with the Submission items and we'll come back inside the hour.

· LAST REVIEWED   2026-05-19    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671