Jubilee Insurance

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Convenience Store

We have all heard this, “without risk there is no reward.” But that makes you think, how much risk should I take for the reward to be worth the risk?Is there a way to lower the amount of risk? The answer is a big YES! In primitive time of business age people often disregarded insurance as a burden but as entrepreneurs like you and me became more and more educated and aware of the risk and how that risk can be off set by utilizing a simple precaution – INSURANCE!

But there are so many insurances out there you might say. Where should I look? Which insurance is right for me? What are my options for the insurance? I know my risks in the Convenience store but what all will the insurance cover? Okay, lets answer all your questions. We are going to be strictly talking about the C-store insurance in this article.

C-store insurance has two main factors: Property and Liability. What’s included in Property? Property includes every tangible asset ranging from the actual building, canopy, pumps, signs, to electronic equipment.Liability includes General liability (slip & fall and other similar incidents), Liquor liability (if sold on site), Pollution liability (for gas), Employer practices Liability, and Workers’ compensation.

Jubilee Insurance is your one stop shop for the highest quality coverage with the most remarkable rates in the US market. At jubilee we provide the most suitable coverage without any underlying up-sale scheme. Jubilee insurance’s purpose is not just to insure your business but also to be available to you during a time of need. Jubilee is known for the 100% satisfaction ratein both providing the best coverage/rate and service.

Most of the frequently asked questions are answered below for your convenience. This short article covers the most basic of the insurance needs. If you have any questions regarding your insurance need and to check if you have the best or proper coverage, please check the FAQ below or give us a call to schedule an appointment.

Frequently Asked Questions (FAQ)

BOP stands for Business Owner’s Policy. BPP stands for Business personal property. If you own the business including the property, it will be best for you to get BOP. However, if you just own the inventory, furniture, fixtures, cash registers, and other equipment excluding the property than it would be best for you to get BPP.
  • Gas Station
  • Part Gas Stations, Part Restaurant
  • 24 Hours Convenience Stores
  • C-Stores
  • Grocers
  • C-Stores with trucking and auto repair
  • Building and Business Personal Property plus Inventory Coverage
  • Canopy Coverage including wind
  • Attached and detached Car Wash
  • Liquor Liability
  • Pollution Liability
  • Equipment Breakdown
  • Business Interruption – Business Income
  • Premise Liability / General Liability Insurance
  • Commercial Auto
  • Food Spoilage
  • Employee Dishonestly
  • Non-owned and owned auto
  • Money and security including lottery tickets
  • Workers Compensation
  • Cyber Liability
  • Attached and Detached Sign Coverage
Absolutely! Most providers will trick you into thinking you have to buy what they give you but at Jubilee Insurance you havethe freedom of choice. We encourage you to pick and choose what’s best for you. Keeping you in control in securing what is important to you.
We are THE expert in Insurance business. We don’t only sell insurance but pride ourselves in providing the utmost quality service to our clients.
  • Commercial (All types: CPP, BOP, BPP)
  • Homeowners (All types: HO2, HO3, HO4, HO5, HO6, HO8, DP1-DP3)
  • Auto – commercial and personal (Endorsement options: DOC, EAI, ME)
  • Umbrella
  • Marine (Boats, and Yachts)
  • Farm (Equipment options)
  • Trucking& Transportation
  • Aviation (Personal planes, and Jets)
  • Crime & Bond
  • Cyber Security
  • Property & Casualty
  • Flood & Earthquake
  • Builders Risk & Installation
Please call (865) 4437-8330 to schedule an appointment to come see us in person or to schedule a zoom meeting. We are taking strict precautions during this COVID pandemic. We provide you with sanitizer and mask upon arrival for your and our safety.
Based on your business portfolio that we will create for you; we will discuss the coverage options with you. We will provide detailed explanation for each option on your coverage as needed. Be prepared to save and smile as we take your breath away with coverage options and rates you might have never expected.
It includes the damage to your canopy by any natural disasters or not at fault accidents. Natural disasters might include tornado, wind, hail, fire, and lighting.Not at fault accidents might include a drunk driver that hit one of your pump’s.Cost of canopy could range anywhere from $40,000 to $100,000 or more.
Liquor liability coverage protects you in case of mistakes or mishap of selling alcoholic beverages to an underage individual or an intoxicated person. It also protectsyour business if held liable for property damage or injuries caused by an intoxicated person that purchased alcohol at your store.
Pollution Liability coverage protects you against the claims from third parties against bodily injury and property damage caused by chemicals or fumes (Gas). Spillage or cleanups requiring professional services are covered under pollution liability.
Equipment Breakdown coverage will cover the cost to repair or replace damaged equipment, including time and labor, lost income, spoiled inventory, necessary expenses incurred during the restoration period. Types of equipmentmight include mechanical, electrical, computer and communication, air conditioning systems or refrigeration systems, or pressure equipment.
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