Drugstore Business Insurance

Let us remedy your risk associated with drugstore ownership.

Why you need Drugstore Insurance

Whatever the ailment, you’ve got your customers covered. But who’s covering you? With Drugstore Insurance from State Farm®, we can provide a cure-all policy for your potential business risks. For example, we can cover you in cases of:

  • Theft – Products go missing. This happens, even with the best-laid prevention plans. Drugstore Insurance can restore both your lost products and your peace of mind.
  • Spoilage – Refrigerators break down. Storms take out on-site power. Sometimes customers don’t buy as much produce or perishable items as planned, and so things spoil. Better to insure against loss than to hope to make up for it with future sales.
  • On-premises injuries or pharmaceutical blunders – People slip on hard-to-notice puddles in freshly mopped aisles, and sometimes pharmacy techs make mistakes with prescriptions. Don’t let these human errors cost you your dream business. Professional liability coverage can help.

What Drugstore Insurance covers

We’ll start with a package of coverages most drugstore owners or pharmacy owners need. Then we’ll help you customize them to fit your unique business. The result? A Drugstore Insurance or pharmacy liability insurance policy that keeps you properly covered at a surprisingly great rate.
  • Property – Covers your building, improvements, contents, equipment, and inventory from a covered accidental direct physical loss.
  • Liability – Protection against costly claims and lawsuits covered under the policy arising from property damage, bodily injury, or personal and advertising injury.
  • Professional Liability – Provides liability coverage for a pharmacist's professional exposures.
  • Valuable Papers and Records – Coverage to research, restore, or replace information for which duplicates do not exist.
  • Spoilage – Coverage for accidental direct physical loss of perishable goods caused by mechanical breakdown, power outage, or refrigerant contamination.
  • Equipment Breakdown – Coverage for damage to covered property due to temperature change caused by mechanical breakdown of covered equipment, artificially generated current damaging covered equipment, explosion of steam boilers or loss of steam/hot water boilers.
  • Employee Dishonesty – Protection against direct physical loss to business personal property, including money and securities, resulting from dishonest acts committed by employees.
  • Accounts Receivable – Provides coverage when money owed to the business cannot be billed or collected because accounts receivable records were lost in a covered loss.
  • Utility Interruption Loss of Income – Provides coverage for loss of income caused by the necessary suspension of your business due to failure of communications, water, natural gas, or electrical service to the premises.

Consider adding additional coverages

Depending on the type of drugstore you own, the number of employees you have or other factors, what’s covered in your Drugstore Insurance policy may not be enough. A local State Farm agent can advise you on additional coverages you may need to protect your business.

Commercial auto

Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

Commercial liability umbrella policy

Commercial liability umbrella policy (CLUP) gives you an added measure of protection when your covered liability losses exceed your policy limits.

Workers' compensation

Workers’ compensation helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.


Customizable insurance

We offer an array of coverage options that can be combined into one policy for you.


Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

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