Bodega insurance that leads with the risk that actually hits your store.

Convenience-style retail is consistently cited as one of the most frequently robbed categories of small business. Bodegas handle meaningful amounts of cash throughout the day and stock high-turnover, easily resold merchandise like cigarettes, beer/wine, and lottery tickets. Long or late operating hours, often staffed by just one or two employees, reduce the practical deterrent a busier store provides — which is exactly why commercial crime insurance is treated as the defining coverage for this business type.

General liability covers third-party bodily injury and property damage claims — think a customer slipping and falling. It does not cover the loss of your own cash or merchandise from a robbery, burglary, or employee theft. Commercial crime insurance fills that gap directly: robbery and burglary of cash and merchandise, employee dishonesty and till-tapping, forgery, safe burglary, and loss of money and securities.

A BOP is a great foundation — it typically bundles general liability and commercial property at a lower combined cost — but on its own it usually isn't enough. Standard BOPs commonly exclude or sharply limit employee dishonesty and robbery of cash/merchandise, equipment breakdown, and liquor liability. Most bodega owners add a commercial crime endorsement, equipment breakdown coverage, and liquor liability (if applicable) on top of the BOP.

Generally, yes. Alcohol sales trigger the need for liquor liability coverage, typically $500 to $2,000+ per year depending on state and volume. Lottery tickets, tobacco, and beer/wine also raise a store's crime-risk profile in an underwriter's eyes, since these are exactly the high-turnover, easily resold items that make bodegas attractive robbery targets — which can affect commercial crime and general liability pricing too.