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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.
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
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.
BEST FOR
- Customer injuries
- Stolen inventory
- Business interruption incidents
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.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
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.
BEST FOR
- Employee medical expenses
- Missed wages
- Legal costs
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.
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.
See business insurance requirements for drug stores in your state
Choose your state to learn about insurance requirements for convenience stores.
How much does insurance cost for retail stores?
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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