Mainstreet Insurance
For Insurance Professionals Placing Specialty Retail Risks
Package Coverage | AM Best A- Rated Carrier | Admitted and E&S Options
Conifer’s Mainstreet program is designed for convenience stores, tobacco retailers, vape shops, and beer, wine, and liquor stores that need a market willing to write the full package.
Many carriers impose strict exclusions on these risk types or force agents to split placements across multiple markets. Mainstreet solves that problem by consolidating GL, Property, and Liquor Liability in a single submission under a single carrier.
Backed by Accelerant National Insurance Company (Admitted, Michigan) and Hadron Specialty Insurance Company (E&S), both rated AM Best A- (Excellent).
Core Coverage Structure
Liability
- General Liability: Available up to $1M/$2M
- Product Liability: Excluded on Tobacco and Vape Risks
- Liquor Liability: Available up to $1M/$1M
Property
- Buildings
- Business Income
- Business Personal Property
- Improvements & Betterments
- Equipment Breakdown
- Property Enhancement Endorsement
Commercial Auto
- Hired & Non-Owned Auto: Available up to $1M (no delivery)
Lessors Risk Only
- Available if tenant coverage has or will be placed with Conifer
Coverage Add-Ons
- Cyber Liability
Target Classes
Mainstreet serves specialty retail operations that admitted carriers often restrict, exclude, or force into piecemeal placements. These are risks where the product mix, liquor exposure, or regulatory environment makes standard commercial programs a poor fit.
Conifer’s underwriting team evaluates these operations based on the actual risk profile rather than applying blanket restrictions tied to a single product category.
We target the following operations:
Insuring Convenience Stores
Convenience stores carry a broad exposure profile that includes premises liability, product inventory, potential liquor sales, and high customer traffic volume. Many carriers will write the GL and Property but exclude or restrict liquor coverage, forcing agents to find a separate monoline placement for the alcohol component.
Conifer’s Mainstreet program writes the full package. GL, Property, and Liquor Liability in one submission, one carrier, one renewal.
Coverage for Convenience Stores
General Liability: Covers premises exposure, customer injury, and third-party claims from daily operations.
Liquor Liability (if alcohol is sold): Covers claims arising from the sale of beer, wine, or liquor.
Property: Covers buildings, business personal property, business income, equipment breakdown, and improvements and betterments.
Hired & Non-Owned Auto: Available up to $1M (no delivery).
Ready to submit? Submit to CommercialLines@ConiferInsurance.com.
Insuring Beer, Wine, and Liquor Stores
Package liquor retailers carry liquor liability exposure as a core part of the operation. The primary inventory is alcohol, which means the liquor exposure is central rather than incidental. Many commercial property programs exclude or heavily restrict coverage for operations where liquor sales represent the majority of revenue.
Conifer’s Mainstreet program writes these risks with liquor receipts as the primary revenue driver, not a disqualifier. GL, Property, and Liquor Liability are consolidated in a single package.
Coverage for Beer, Wine, and Liquor Stores
General Liability: Covers premises exposure, customer injury, and third-party claims from daily operations.
Liquor Liability (if alcohol is sold): Covers claims arising from the sale of alcohol.
Property: Covers buildings, business personal property, business income, equipment breakdown, and improvements and betterments.
Hired & Non-Owned Auto: Available up to $1M (no delivery).
Need standalone Liquor Liability only? Conifer also offers a monoline Liquor Liability program with zero deductible and liquor receipts to 100% considered. [View Liquor Liability program page]
Ready to submit? Submit to CommercialLines@ConiferInsurance.com.
Insuring Tobacco Stores
Tobacco retailers face a narrowing market as carriers restrict or exit the tobacco retail class. Agents placing these risks often struggle to find a single market willing to write the full package.
Conifer’s Mainstreet program provides package coverage for tobacco retailers with GL and Property in a single submission.
Important: Product Liability is excluded on tobacco risks. Agents should communicate this exclusion to their clients upfront. This is a coverage limitation, not a declination. GL and Property are available.
Coverage for Tobacco Stores
General Liability: Covers premises exposure, customer injury, and third-party claims from daily operations.
Property: Covers buildings, business personal property, business income, equipment breakdown, and improvements and betterments.
Hired & Non-Owned Auto: Available up to $1M (no delivery).
Ready to submit? Submit to CommercialLines@ConiferInsurance.com.
Insuring Vape Shops
Vape shops face an increasingly restricted market. The combination of evolving regulations, liability concerns, and carrier uncertainty around vape products has made it difficult for agents to find a market willing to write the full package.
Conifer’s Mainstreet program provides package coverage for vape retailers with GL, Property, and Liquor Liability available in a single submission.
Important: Product Liability is excluded on vape risks. Agents should communicate this exclusion to their clients upfront. This is a coverage limitation, not a declination. GL, Property, and Liquor Liability are all available.
Coverage for Vape Shops
General Liability: Covers premises exposure, customer injury, and third-party claims from daily operations.
Liquor Liability: Up to $1M/$1M
Property: Covers buildings, business personal property, business income, equipment breakdown, and improvements and betterments.
Hired & Non-Owned Auto: Available up to $1M (no delivery).
Ready to submit? Submit to CommercialLines@ConiferInsurance.com.
Insuring Cigar Stores
Cigar stores carry a product profile that puts them in a similar position to tobacco retailers when it comes to finding coverage. Carriers may restrict or exclude the class, and the presence of tobacco product inventory creates placement challenges.
Conifer’s Mainstreet program writes cigar stores with GL and Property available in a single package.
Important: Product Liability is excluded on tobacco risks, including cigar stores. Agents should communicate this exclusion to their clients upfront.
Coverage for Cigar Stores
General Liability: Covers premises exposure, customer injury, and third-party claims from daily operations.
Property: Covers buildings, business personal property, business income, equipment breakdown, and improvements and betterments.
Hired & Non-Owned Auto: Available up to $1M (no delivery).
Ready to submit? Submit to CommercialLines@ConiferInsurance.com.
Submissions & Downloads
How to Submit
Send completed applications and loss runs to CommercialLines@ConiferInsurance.com
What We Need
- Completed Conifer Application, ACORD forms, or equivalent completed application
- 3-5 years of loss history (current and prior carriers)
Frequently Asked Questions for Mainstreet Insurance
The Mainstreet program is backed by Accelerant National Insurance Company (Admitted, Michigan) and Hadron Specialty Insurance Company (E&S), both rated AM Best A- (Excellent).
Admitted in Michigan. E&S in Colorado, Idaho, Illinois, Indiana, Kentucky, Nebraska, Ohio, and Wyoming.
Yes. Liquor Liability is available up to $1M/$1M as part of the Mainstreet package for operations that sell alcohol.
Yes. Product Liability is excluded on tobacco and vape risks. This applies to tobacco stores, vape shops, and cigar stores. GL, Property, and Liquor Liability are all still available. Agents should communicate this exclusion to their clients upfront.
Mainstreet covers convenience stores, tobacco stores, vape shops, cigar stores, and beer/wine/liquor stores. Food & Beverage covers bars, restaurants, breweries, wineries, distilleries, fraternal organizations, and similar hospitality operations. Both are package programs that consolidate GL, Property, and Liquor Liability. If you’re not sure which program fits, submit to CommercialLines@ConiferInsurance.com and our team will route it.
Yes. Convenience stores with beer, wine, or liquor sales are a target class. Liquor Liability is available as part of the package.
Conifer offers a separate monoline Liquor Liability program with zero deductible and liquor receipts to 100% considered. Available in Michigan (Admitted), Illinois, Indiana, and Ohio (E&S). [View Liquor Liability program page]
CBD, hemp and cannabis risks are not eligible under Mainstreet. Conifer offers dedicated cannabis programs: Cannabis Essentials for small to mid-sized operators and Cannabis Select for larger operations and multi-state accounts.
Ready to Help
Conifer Insurance Services is a specialty Managing General Agency that partners exclusively with independent retail and wholesale insurance agencies to deliver niche commercial programs for cannabis, hospitality, liquor liability, specialty retail, and student housing risks, backed by A-rated carrier partners and supported by responsive, service-first underwriting.