Selected Mercantile Program

Variety Store Insurance


Sterner Insurance Agency - Apple Valley, MN - Your Variety/Selected Mercantile Insurance Professionals

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This insurance program covers a wide array of retail businesses. Variety Store Insurance


General Liability

  • Primary Limits up to $3,000,000 Occurrence/Aggregate
  • Electronic Data Liability
  • Liquor Liability
  • Hired and Non-Owned Auto

Included Coverages:

  • Medical Payments Coverage - $5,000 Limit
  • Landlords as 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


  • Inside the Premises - Theft of Money and Securities
  • Inside the Premises - Robbery or Safe Burglary of Other Property
  • 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 Variety Store Insurance policy holders.