Mainstreet Insurance
Your Mainstreet Insurance Solution
Our Mainstreet Program is tailored to meet the unique needs of hospitality businesses that fall outside of our traditional food and beverage profile. The program offers business owners a competitive and comprehensive package of coverage options.
Mainstreet Insurance Program
LIABILITY
- General Liability
- Product Liability*
- Liquor Liability
- Cyber Liability
PROPERTY
- Buildings
- Business Income
- Business Personal Property
- Improvements & Betterments
- Equipment Breakdown
- Property Enhancement Endorsement
COMMERCIAL AUTO
- Hired & Non-Owned Auto
LESSORS RISK ONLY
- Available if tenant coverage has or will be placed with Conifer
* Product Liability is not available for tobacco, vape or cigar risks
Ready to have your Mainstreet business insured?
Target Classes
The Mainstreet retail sector—including tobacco shops, vape stores, hookah lounges, and convenience retailers—faces unique opportunities and challenges that call for specialized insurance solutions. As regulations evolve and consumer trends shift, these businesses must navigate complex compliance requirements, liability exposures, property risks, and product safety concerns.
Insuring Tobacco Stores
Our Mainstreet insurance program offers coverage options that are tailored to cover the unique risks associated with tobacco stores. Many traditional insurance policies don’t adequately cover the distinctive risks associated with tobacco shops, such as product liability and theft. Our coverage options serve as a protective framework that enables store owners to focus on delivering high-quality service to their customers.
Tailored Coverage for Tobacco Stores
There are many different types of insurance for Tobacco Stores, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Vape Shops
Our Mainstreet Insurance Program is specifically designed to address the unique challenges vape stores face, risks that traditional carriers often overlook or shy away from. By focusing on critical areas such as general liability and property, our comprehensive coverage provides a robust safety net. This means you can concentrate on delivering exceptional service to your customers, confident that your business is well protected.
Tailored Coverage for Vape Shops
There are many different types of insurance for vape stores, but some common ones include:
- General Liability Insurance: This covers common risks like customer injuries, property damage, and lawsuits.
- Commercial Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
- Cyber Liability Insurance: Helps shield businesses from the financial fallout of data breaches and malicious software attacks. It can help cover costs including customer notifications, credit monitoring, legal fees, and fines.
Insuring Smoke Shops
Our Mainstreet insurance program offers coverage options that are tailored to cover the unique risks associated with smoke shops. Many traditional insurance policies don’t adequately cover the distinctive risks associated with smoke shops, such as product liability and theft. Our coverage options serve as a protective framework that enables store owners to focus on delivering high-quality service to their customers.
Tailored Coverage for Tobacco Stores
There are many different types of insurance for Tobacco Stores, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Cigar Stores and Lounges
Our Mainstreet insurance program offers coverage options that are tailored to cover the unique risks associated with cigar stores and lounges. Many traditional insurance policies don’t adequately cover the distinctive risks associated with cigar stores and lounges such as product liability and theft. Our coverage options serve as a protective framework that enables store owners to focus on delivering high-quality service to their customers.
Tailored Coverage for Cigar Stores and Lounges
There are many different types of insurance for Cigar Stores and Lounges, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Hookah Lounges
Our Mainstreet insurance program offers coverage options that are tailored to cover the unique risks associated with hookah lounges. Many traditional insurance policies don’t adequately cover the distinctive risks associated with hookah lounges, such as product liability and theft. Our coverage options serve as a protective framework that enables store owners to focus on delivering high-quality service to their customers.
Tailored Coverage for Hookah Lounges
There are many different types of insurance for Hookah Lounges, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Gas Stations
Gas stations and convenience stores are prime examples of businesses that keep America running 24 hours a day. Our Mainstreet insurance program can help protect these businesses with coverages that are tailored to address the unique challenges that gas stations and stand-alone petroleum marketers often face. Our policies are designed to provide specialized insurance options that provide peace of mind and coverage against unpredictable hazards that could deal damaging blows to your property and finances.
Tailored Coverage for Gas Stations
There are many different types of insurance for Gas Stations, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Convenience Stores
Merchants that are licensed to sell closed and packaged alcoholic products are faced with a range of liabilities that differ from other industries. From large stocks of breakable products to the risk of intoxicated patrons causing harm to others or damaging the premises, there are plenty of potential hazards that can result in costly problems. Conifer’s insurance helps safeguard against fires, theft, lawsuits, and injuries so business owners can continue to serve customers after unexpected incidents.
Tailored Coverage for Convenience Stores
There are many different types of insurance for Convenience Stores, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Submissions & Downloads
SUBMISSION REQUIREMENTS
- Acords or Competitor Applications
- Loss Runs
Completed applications and loss runs can be sent to CommercialLines@ConiferInsurance.com
MARKETING
Association Partners
MIRA is a multi-state trade association representing thousands of retailers operating in Michigan, Ohio and surrounding states. Our members include independent supermarkets, convenience stores, petroleum retailers, service stations, and specialty food markets.
Frequently Asked Questions for Mainstreet Insurance
The Mainstreet Program is tailored for hospitality businesses such as tobacco stores, vape shops, smoke shops, cigar stores, cigar lounges, hookah lounges, and retail convenience stores.
The program offers a comprehensive range of coverage options, including:
- Liability Coverage: General Liability, Product Liability (not available for tobacco, vape, or cigar risks), Liquor Liability, and Cyber Liability.
- Property Coverage: Buildings, Business Income, Business Personal Property, Improvements & Betterments, Equipment Breakdown, and Property Enhancement Endorsement.
- Commercial Auto Coverage: Hired & Non-Owned Auto.
- Lessors Risk Only (if tenant coverage is placed with Conifer).
Yes, Product Liability is not available for tobacco, vape, or cigar businesses under the Mainstreet Program.
The carrier has an A.M. Best rating of A- (Excellent), which signifies a strong and reliable financial standing.
The availability of the Mainstreet Program may vary by state, so it is recommended to check with Conifer Insurance Services for specific state coverage options.
Ready to Help
Conifer Insurance partners with independent agents to provide specialized coverage for niche markets, offering personalized support and underwriting expertise. If you’re interested in becoming an agent or need a customized insurance quote, Conifer makes the process simple and efficient—delivering tailored solutions to fit your unique needs.