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
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 item. 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. 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. Send the file with the Submission items and we'll come back inside the hour.

· LAST REVIEWED   2026-05-29    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671