Business Insurance for Convenience and Drug Stores

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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.

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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 icon

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.

  • Customer bodily injuries
  • Theft and vandalism
  • Business interruption incidents
General liability insurance icon

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.

  • 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
  • Disability benefits
  • Legal costs from employee injuries
Cyber insurance icon

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.

  • 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.

How much does insurance cost for retail stores?

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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
View Costs

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
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"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
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"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
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