Owning a small convenience store may appeal to you if you like the idea of providing a community service and interacting with people, but be prepared: running a corner shop can be hard work! To protect your investment in your convenience store, purchase Florida business insurance. Business owners looking for straightforward insurance coverage for a small business like a corner shop often opt for a Business Owner Policy that provides coverage for some of the business risks that they are likely to face.
 
Business Owners Policies typically cover liability, property and business income. Property coverage protects business assets like the business premises, business equipment like point of sale computers, shop furniture like shelving and display stands, and inventory for sale. Business income coverage may compensate you for income lost if business activities are interrupted because of insured damage to the business premises, and liability coverage can pay for expenses if someone is harmed in an accident in your convenience store.

A Business Owners Policy can be tailored to suit the particular risks of different types of business operation. Check with your agent or insurer how a Business Owners Policy covers risks that are common in small retail operations, such as spoilage of perishable inventory items if refrigeration fails, and losses due to employee dishonesty or shoplifting. Depending on your needs, you may wish to purchase additional specific Florida business insurance coverage; Florida convenience store owners are required to carry auto insurance if there is a company vehicle, and workers’ compensation insurance for their store employees.  

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