NAICS UNIVERSITY · Free research for insurance agents
Convenience Retailers
NAICS 445131 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in retailing a limited line of groceries that generally includes milk, bread, soda, and snacks, such as convenience stores or food marts (except those operating fuel pumps).
Start the review with premises liability.
For Convenience Retailers, the saved research highlights premises liability, crime and robbery, products liability. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- What are the store hours — is it open 24 hours, and is there ever only one employee on shift overnight?
- Does the store sell beer, wine, or other alcohol, and what percentage of revenue does alcohol represent?
- Is there any prepared food, hot food service, deli, or food-to-go operation at this location?
- What is the typical cash on hand at any given time, and what type of safe is used?
- Does the store have an ATM, lottery terminal, check cashing, or any money services operations?
- What is the prior loss history, particularly for slip-and-fall, crime, or products liability claims?
- Does the insured own or lease the premises, and what is the approximate value of equipment and inventory?
- Are there any personal vehicles used for bank deposits, supply runs, or store-related errands?
Activities described by this code
Other activities to examine
- Retailing a general line of food, such as supermarkets and grocery stores: 445110 — Supermarkets and Other Grocery Retailers (except Convenience Retailers)
- Retailing automotive fuels in combination with a convenience store or food mart: 457110 — Gasoline Stations with Convenience Stores;
- Retailing merchandise through vending machines: 445132 — Vending Machine Operators
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Convenience stores in this class sell a limited assortment of everyday items — packaged snacks, beverages, dairy products, bread, tobacco, lottery tickets, and sundries — from a fixed retail location without fuel pump operations. Stores typically operate extended hours, sometimes 24 hours, with one or two employees per shift. Point-of-sale cash and card transactions are continuous throughout the day.
Questions to investigate
- What are the store hours — is it open 24 hours, and is there ever only one employee on shift overnight?
- Does the store sell beer, wine, or other alcohol, and what percentage of revenue does alcohol represent?
- Is there any prepared food, hot food service, deli, or food-to-go operation at this location?
- What is the typical cash on hand at any given time, and what type of safe is used?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.