Business Insurance for Convenience and Drug 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. It’s free, and only takes 15 minutes.

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

  • Customer injuries
  • Stolen inventory
  • Business interruption incidents
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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
  • Libel or slander lawsuits
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Workers’ compensation insurance

Workers' comp is required in most states for convenience stores and drug stores with employees. It can help cover medical costs for work-related injuries.

  • Employee medical expenses
  • Missed wages
  • Legal costs
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Umbrella / excess liability insurance

Umbrella insurance (or excess liability 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.

How much does insurance cost for retail businesses?

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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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Why do convenience stores and drug shops need insurance?

Running a convenience store or a drug shop is a 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.
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