Convenience Stores
High foot traffic, cash handling and fuel operations create a risk profile few standard policies fit well.
Why convenience stores businesses form captives
Convenience store operators deal with high foot traffic, cash handling and, often, fuel operations, a combination that produces a steady frequency of small and mid size claims that a captive can fund more efficiently than a guaranteed cost policy.
Risk categories a captive can fund
Every captive is built around the risk a specific business actually carries, not a generic policy.
Workers compensation
A frequent, predictable category well suited to a funded retention.
Crime and robbery
Coverage for cash handling and after hours exposure.
Slip and fall liability
The most common claim type in a high traffic retail environment.
Formed and managed by one team
Helio Risk's ICCIE trained team builds and manages the program end to end: business plan, application and approval, then ongoing management once it is live.
Convenience Store captive guide
An original Helio Risk reference guide on captive insurance for convenience store businesses. It is an unedited source document, so some figures and contact details reflect when it was first published.
Download the PDF guideOriginal document, not a newly revised publication.
See if a captive fits
An introductory conversation helps identify whether a captive fits your risk profile and what it would take to confirm it.