With McInturf Insurance Group’s Businessowners PLUS Convenience Store or Grocery Store program, our comprehensive insurance coverage is specifically designed to meet the needs of your business. We understand exposures that are unique to you, and for that reason, we include the following coverages on all

Grocery Store and Convenience Stores:

• Spoilage – Equipment Breakdown - $100,000
• Spoilage – Contamination & Power Outage - $10,000 – pays for loss of perishable stock
• Food Contamination – Business Income / Extra Expense - $10,000 – helps cover expenses incurred as a result of your business being ordered to close by the Board of Health or another governmental authority
• Food Contamination – Advertising Expense - $3,000
• Credit and Fund Transfer Card Invoices - $5,000
• Inventory and Appraisal Expense - $1,000
• Loss of Keys - $1,000 – pays for the cost to replace locks and keys at your premises due lost keys for reasons other than theft
• Business Interruption and Extra Expense – for the actual loss sustained of 12 months
• Equipment Breakdown Coverage – Our policy protects you against the breakdown of mechanical, electrical and production equipment due to the electrical disruption, power surges and short circuits, as well as steam boiler explosions
• Comprehensive Identity Management Services

Still Need More Coverage?

We offer the following optional coverages:

• Service Station Endorsement – extends the definition of building and business personal property to include underground fuel storage tanks, the contents of such tanks & pumps, and piping and connections of such tanks
• Liquor Liability
• Employment Practices Liability

Eligibility Requirements

• 24-hour operations are eligible
• Cooking exposures are acceptable if guidelines are met
• Convenience Food Stores require a Central Station Burglar Alarm
• More Automatic Coverages*
• Accounts Receivable - $15,000
• Automatic Liability Coverage for Newly Acquired Stores – 90 days
• Business Personal Property Off-Premises - $15,000
• Damage to Premises Rented to You - $100,000
• Employee Dishonesty - $10,000
• Fire Department Service Charge - $5,000
• Fire Extinguisher System Recharge - $5,000
• Forgery or Alteration - $2,500
• Identity Theft Expense Coverage - $2,500
• Increased Cost of Construction - $10,000
• Lock & Key Replacement - $1,000
• Medical Expenses - $5,000
• Money & Securities – Inside/Outside - $5,000/$2,000
• Money Orders & Counterfeit Money - $1,000
• Newly Acquired Locations – Business Income - $5,000
• Newly Acquired or Constructed Buildings - $250,000 and 30 days
• Newly Acquired Business Personal Property - $100,000 and 30 days
• Outdoor Property - $5,000
• Outdoor Signs - $5,000
• Reward Payment - $5,000
• Valuable Papers & Records – Off Premises - $5,000
• Valuable Papers & Records – On Premises - $10,000
• Water Back-Up & Sump Pump Overflow - $5,000
• Water Back-Up & Sump Pump Overflow – Business Income - $5,000

*Insurance coverage by McInturf Insurance can be tailored to provide specific coverages for your needs. Most of the coverages included can be increased and other coverages added to round out your policy. A bundle of coverages can be added by purchasing the BOP Platinum Plus Endorsement.