Drugstore Business Insurance

What Drugstore Insurance covers

• 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.