Retail Service Insurance

 Grocery/Convenience Store/Gas Station Insurance


Sterner Insurance Agency - Apple Valley, MN -  Your  Grocery/Conveniece Store Insurance Professionals

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Our insurance program includes neighborhood grocery stores and convenience stores selling food and miscellaneous household supplies. These stores may include gas sales and /or one coin-operated, drive-through, automatic car wash bay. Protecting your grocery/convenience store with the appropriate types of business insurance coverage, you can rest assured that you are ready for whatever risks or hazards may come along.

 Grocery Store Insurance


General Liability

  • Primary Limits up to $3,000,000 Occurrence/Aggregate
  • Liquor Liability

Included Coverages:

  • Medical Payments Coverage - $5,000 Limit
  • Additional Interests


  • No Deductible Required


  • Basic, Broad or Special Form
  • Replacement Cost or ACV
  • Building
  • Contents
  • Business Income
  • Equipment Breakdown
  • Accounts Receivable
  • Computer Equipment
  • Outside Signs
  • Valuable Papers
  • Food Spoilage
  • Gas Pumps, Islands or Canopies


  • Inside the Premises - Theft of Money and Securities
  • Outside the Premises

Let the Sterner Insurance Agency - Apple Valley, MN, help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Grocery/Convenience Store Insurance policy holders.