Business Insurance for Convenience and Drug Stores

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Drug/Convenience Stores
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Save money by comparing insurance quotes for convenience stores

Convenience stores are often targets for robbery, especially shops that are open 24 hours a day. Shield your business with affordable insurance coverage for convenience stores from top-rated carriers.

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Multiple quotes with one application

Insureon helps convenience and drug store owners compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do convenience and drug stores need?

These policies provide coverage for common risks faced by drug stores.

Business owner’s policy icon

Business owner's policy

A BOP bundles general liability and commercial property insurance in one plan. It's often the most cost-effective type of business insurance for convenience and drug stores.

  • Customer injuries
  • Stolen inventory
  • Business interruption incidents
General liability insurance icon

General liability insurance

General liability insurance covers basic risks like customer property damage and customer injuries. Bundle with property insurance for savings in a business owner's policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

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.

  • Employee medical expenses
  • Missed wages
  • Legal costs
Cyber liability insurance icon

Cyber liability 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.

  • Customer notification expenses
  • Fraud monitoring services
  • Cyberextortion demands
Liquor liability insurance icon

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.

  • Injuries caused by intoxicated customers
  • Property damage caused by intoxicated customers
  • Legal defense costs
Umbrella / excess liability insurance icon

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.

  • Customer injury lawsuits
  • Customer property damage lawsuits
  • Employee injury lawsuits
Looking for different coverage? See more policies.

Why do convenience stores and drug shops need insurance?

Running a convenience store or a drug shop is risky business. Since many stores are open 24 hours a day with minimal staff, they’re a prime target for criminals. Convenience store insurance and pharmacy insurance can help cover the cost of inventory theft, employee injuries, customer lawsuits, and other risks.

How much does insurance cost for retail stores?

Retailer with a clipboard calculating the cost of business insurance.

Several factors will have an impact on insurance costs, including:

  • Retail products and services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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Drug/Convenience Stores