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In drug stores, customers can shop for pharmaceuticals, home health care products, cosmetics, toiletries and other merchandise. Customers pick up medications prescribed to them by doctors as well as purchase over-the-counter medicines at drug store pharmacies. Other common items and services available at drug stores include vitamins, herbal supplements, photo development, pet supplies, tobacco, household supplies, foods, beverages, toys and electronics. Cafeterias may be located on-site. Pharmacies that are attached to doctor's offices, clinics and hospitals are also considered drug stores.

General Liability Insurance for Drug Stores – Drug stores must provide adequate walk space in order to accommodate customers using wheel chairs or walkers, for example. Products must be easily reached and floors must be clean and clear in order to prevent slips and falls. Care must be taken at drug stores for merchandise to be secured on shelves in order to prevent shelving collapse and related customer injuries. The shelving must be structurally sufficient and sturdy with appropriate anchoring systems or wall fastenings. Merchandise must be carefully stacked away from the edges with any heavier items stored on bottom shelves or on the floor. If food and drinks are served at the drug store, spills must be cleaned up immediately and “wet floor” warning signs should be used to prevent slip and fall injuries. If medical equipment is rented on site, additional supervision should be enforced and safety precautions should be taken to help prevent injury. Outside walk areas and parking lots should also be in good condition. Professional and products liability are additional risks involved with drug stores. All manufacturer instructions and warnings should be provided along with the sale of prescriptions. Prescriptions should only be issued by a professional who is certified in their state to do so. Some states allow druggists to write and fill their own prescriptions without approval from a licensed physician. Drug Stores operating in these states are at higher risk for professional and products liability. Background checks, proper training, and good management can help lower these risks.

Workers’ Compensation Insurance for Drug Stores – Delivery drivers are at risk of being robbed when carrying certain prescription drugs. Drivers should be trained how to handle such situations. Lifting is a concern when lifting heavy objects for Drug stores. Conveyance equipment such as dollies and hand trucks may help reduce the risk of injury if drug store employees are properly trained to use them. Cooks and other employees working in areas where food and drinks are served may suffer from burns, cuts, or falls. Non-slip mats should cover the floors in areas that are likely for spills.

Business Auto Insurance for Drug Stores – Drug stores often deliver medicines to their customers. In that case, the risk for automobile accidents is high. All drivers should have acceptable driving records, regular MVR checks, and valid drivers licenses. Store vehicles should be well maintained and repair records should be available. Drug stores can lower their business auto risks by providing late model vans or sedans and limiting the radius for delivery services.

Property Insurance for Drug Stores – Theft and fire are property exposures at drug stores. Prescription drugs that are commonly abused, such as narcotics, are at high risk of theft. The pharmacy area where drugs are stored and prescriptions are filled should be separated by the use of walls and doors with signage indicating “Employees Only.” If alcohol and cigarettes are sold, they increase the risk of theft. Security cameras and alarms may help reduce theft. Fire can possibly result in a total loss as a result of FDA regulations. Medicines can be affected by exposure to heat and therefore must be discarded in the event of a fire. If cooking is available, the risk of fire is greatly increased. Off premises computer backups should be maintained on a daily basis for software and data on all computer servers. The backup systems should be regularly tested to make sure that they are working properly.

Crime Insurance for Drug Stores – Dishonest employees may take money and securities, medicine or other merchandise from drug stores. Inventory counts, close monitoring of cash on hand, and regular bank deposits may help reduce employee theft. Outsiders may also steal money and securities. Securing doors with double cylinder deadbolt locks and using a central station alarm system may deter burglars.