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Business Insurance for Convenience and Drug Stores
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What kind of work do you do?
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Why do convenience stores and drug shops need insurance?
Convenience stores are prime targets for criminals, especially those with minimal staff or open for 24 hours a day. Business insurance helps cover the cost of inventory theft, injuries, lawsuits, and damage from fires or storms.
Find affordable coverage
Drug shop and convenience store owners can save money on insurance by comparing quotes from top-rated providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.
What types of insurance do convenience and drug stores need?
These insurance policies cover common risks faced by convenience stores.
Business owner's policy
A BOP bundles general liability coverage and commercial property insurance in one plan. It’s often the most cost-effective insurance coverage for a small business.
BEST FOR
- Customer bodily injuries
- Theft and vandalism
- Business interruption incidents
General liability insurance
General liability insurance covers basic third-party risks, such as a customer slipping in a spill at your drug store. Bundle it with property coverage for savings in a BOP.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
Workers’ compensation insurance
Most states require workers' comp for convenience and drug stores that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal costs from employee injuries
Cyber insurance
This policy helps convenience stores survive data breaches and cyberattacks. It's recommended for any shop that handles credit card numbers or other sensitive information.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Cyberextortion demands
Liquor liability insurance
Convenience stores that sell alcohol need liquor liability insurance. This policy protects your shop if a customer buys alcohol then goes on to harm someone or damage property.
BEST FOR
- Injuries caused by intoxicated customers
- Property damage caused by intoxicated customers
- Legal defense costs
Commercial umbrella insurance
Similar to excess liability insurance, umbrella insurance boosts coverage on general liability, commercial auto, or employer’s liability policies once the coverage limit is reached.
BEST FOR
- Customer injury lawsuits
- Customer property damage lawsuits
- Employee injury lawsuits
Looking for different coverage? See more policies.
How much does insurance cost for retail stores?
A small drug store with a few employees will pay less for insurance than a larger business.
Factors that affect premiums include:
- Retail products and services offered
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get convenience store insurance?
It's easy to get business insurance for your convenience store, pharmacy, or gas station if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right coverage for your shop, whether you work independently or hire employees.
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