BOP: Convenience food stores and grocery/supermarkets

Here are some Convenience Stores and Grocery Stores that are a great fit for the Essential BOP:

  • Retail sale of limited amounts of canned goods, dairy products, prepackaged meats and incidental grocery items. (Examples: newspapers, magazines, refreshment items, cigarettes, beer, wine and novelties may be sold)
  • Sale of food – canned, frozen, fresh fruits and vegetables, fresh and prepared meats, fish and poultry.

Additional coverage:
Add our employment practices liability (EPL) endorsement to further protect your business from the financial strain an employee claim can cause. Not only will the EPL endorsement provide you with the coverage you need, you will also have special access to Through this easy-to-use site, you can view and download resources such a model employee handbook, best employment practices checklist, model forms and policies, and a library of employment related articles. 

Equipment breakdown coverage includes:

  • Pollutant clean-up and removal
  • Up to $250,000
  • Expediting expense
  • Refrigeration contamination
  • Up to $250,000
  • Spoilage coverage
  • Up to $250,000
  • CFC refrigerants
  • Computer equipment
  • Service interruption
  • Valuable papers and records
  • Environmental safety and energy efficiency improvements
  • Green environmental and efficiency improvements

Click here to learn more about our EPL coverage and available resources.

Loss Control Tips:

  1. Provide surveillance cameras in such areas as parking lots, entrance doors and registers.
  2. Provide a panic button or silent alarm for communicating with police or security.
  3. Ensure door and access locks work properly.
  4. Provide more than one exit in case of emergency.
  5. Keep all exterior doors except those used by visitors and customers locked during business hours.
  6. Remove clutter from the windows so the interior can be easily viewed from the street.
  7. Establish a robbery prevention program.
  8. Prepare foods on a clean, separate surface to minimize the spread of germs.
  9. Ensure that hands are washed properly before touching food in any way.
For more information about any of Markel's Loss Control services, please call 888-500-3344 or email

Ineligible convenience stores and grocery stores risks:
  1. Gasoline
  2. Auto service or repair
  3. Car wash
  4. 24 hour operations
  5. Alcohol sales exceeding 15-25% (depending on your state). No consumption of alcohol on site and if a restaurant, cannot sell alcohol.)
  6. Franchises or chains
  7. Repackaged or relabeled food
  8. Propane or kerosene tank filling stations (tank swaps are acceptable)