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Who insures it · 4 named markets · read 2026-10-28

Who insures Gas stations and convenience stores with liquor?

Gas stations and convenience stores with liquor is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

4 markets publicly write Gas stations and convenience stores with liquor: USLI, Kinsale Insurance, Illinois Casualty Company, James River Insurance. 2 admitted carriers, 2 E&S carriers.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
USLI
Admitted carrier		General liability and liquor liability for convenience stores and gas stations (and liquor stores), as a package or monoline; accounts with a loss or violation history can be considered.
“convenience stores and gas stations are eligible for general liability and liquor liability.”		not statednot statedusli.com · read 2026-10-28
Kinsale Insurance
E&S carrier		Miscellaneous general casualty target classes include gas stations & convenience stores; liquor liability written for restaurants, bars, nightclubs, liquor stores and convenience stores in all states except Georgia and Michigan; five-year loss runs required.
“Yes, Kinsale offers Liquor Liability insurance in all states except Georgia and Michigan.”		liquor liability in all states except GA and MInot statedkinsaleins.com · read 2026-10-28
Illinois Casualty Company
Admitted carrier		Specialized convenience store program for single-location independents through multi-location groups with liquor liability (liability from selling or serving alcoholic beverages), also available as a standalone policy; gas stations not named.
“we offer specialized insurance coverage for your convenience store”		not stated on this page (home page: admitted carrier in eighteen states, not listed)not statedilcasco.com · read 2026-10-28
James River Insurance
E&S carrier		General casualty target classes include convenience stores/gas stations, with liquor liability offered in conjunction with the CGL; E&S specialty insurer.
“Convenience Stores/Gas Stations”		not stated on product page (company page: all fifty states and D.C.)not statedjrvrgroup.com · read 2026-10-28

Federated's fuel marketers page covers convenience stores that sell fuel but says nothing about liquor; Admiral's liquor liability page lists packaged liquor/grocery stores but not gas stations or c-stores; Prime's liquor liability page does not name gas stations; Liberty Mutual robots.txt returned 403 and Hartford was not fetched.

How Gas stations and convenience stores with liquor gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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