Hedge / Appetite / Convenience stores & gas stations
Review case by case / P&C

Convenience stores & gas stations.

Convenience stores & gas stations is reviewed case by case in Hedge's current published wholesale appetite for licensed retail insurance brokers. Convenience stores with or without gas. Pollution add-on for fuel storage. Published target coverage includes Commercial Property with a published target of $2M / loc, General Liability with a published target of $1M / $2M, and Storage Tank Pollution with a published target of $1M / $2M. Hedge confirms current fit, the permitted submission route, and available terms after reviewing the account.

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

Published target coverage.

These are starting-point lines and limits for a convenience stores & gas stations submission. Hedge confirms current fit, route, and available terms after account review.

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 →
Knowledge graph

Go deeper by coverage and packet.

Use the narrowest guide for the question. Coverage pages explain the line for this class; the submission guide organizes the first packet.

$2M / loc Commercial Property for convenience stores & gas stations Coverage context, underwriting facts, forms, and preparation guidance. $1M / $2M General Liability for convenience stores & gas stations Coverage context, underwriting facts, forms, and preparation guidance. $1M / $2M Environmental and Pollution for convenience stores & gas stations Coverage context, underwriting facts, forms, and preparation guidance.
Submission preparation
What to submit for convenience stores & gas stations
Open class checklist →
Sweet spot

Where this fits cleanly.

This profile is the strongest starting point. Hedge confirms current market fit and route after reviewing the account.

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

What we need for placement review.

Including these items reduces back-and-forth. Additional underwriting information may be required.

  • 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 · Review case by case
Tank pollution coverage mandatory; older tanks declined.
Convenience stores & gas stations in Texas
TX · Review 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 may fit, but the specific file needs the extra detail in the Submission section before Hedge can confirm a route. 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. These items support placement review, but an underwriter may request more.

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 lists the strongest starting profile. Send the file with the Submission items so Hedge can confirm current fit, route, and any additional underwriting requirements.

Does Hedge write c-store?

C-store is one way brokers describe convenience stores & gas stations, and the same case-by-case guidance applies. The Sweet spot section covers the strongest starting profile. Send the file with the Submission items for placement review.

Public appetite is directional and may change. It is not a quote, binder, coverage commitment, or confirmation of access to any named market. Hedge confirms current fit, route, and authority after reviewing the account.

· LAST REVIEWED   2026-08-24    · HEDGE SPECIALTY DBA TAVEN INSURANCE SERVICES LLC   CA LICENSE #6018729   NPN 22154671