Pharmacy Insurance | Drug Store Insurance

Pharmacy Insurance – Business Owners Insurance for a Pharmacy

A Pharmacy  BOP Insurance Policy, or Pharmacy Business Owners Insurance Policy is a package policy typically combining General Liability Insurance and Property Insurance. The package we offer can also include Pharmacy Errors and Omissions Insurance Coverage also know as Druggist Liability Insurance.

Along with other optional coverage, for small to medium sized businesses in A Pharmacy BOP Insurance Policy, or Pharmacy Business Owners Insurance Policy may be custom tailored to cover the risks associated with operating a Pharmacy Business.

A BOP Insurance Policy typically includes General Liability Insurance to cover your commercial liability and Business Property Insurance for physical assets, such as contents, that are leased or owned.

For a small, medium or large pharmacy or drug store a Pharmacy BOP Policy, or Pharmacy Business Owners Insurance Policy may be the best insurance choice of business insurance to cover your pharmacy operation.

Unlike a Commercial Package Insurance for a Pharmacy, A BOP Insurance Policy includes General Liability Insurance to cover your commercial liability and Business Property Insurance for physical assets, such as contents and inventory, that are owned and equipment that is leased.


The package insurance policy may also cover loss of business income and extra expenses resulting from a covered loss.


The General Liability insurance coverage of a BOP is comparable to a typical Commercial General Liability (CGL) policy, providing protection against claims of bodily injury liability, property damage liability and even personal injury and advertising exposures for which your business may be liable.


We also offer a Pharmacy Business Owners Insurance Policy that INCLUDES Druggist’s Liability, also know as Pharmacy Errors & Omissions Insurance*. 

The package insurance policy may also cover loss of business income and extra expense resulting from a covered loss.

The General Liability insurance coverage of a BOP is comparable to a typical Commercial General Liability (CGL) policy, providing protection against claims of bodily injury or property damage for which your business may be liable.

The General Liability portion typically provides liability insurance for the cost of defending lawsuits stemming from:

  • Accidents that cause bodily injury and/or property damage.
  • Claims such as libel and slander.
  • False advertising

*Basic General Liability insurance does not cover Errors & Omissions or negligence from professional services.

A BOP Insurance policy may include, or you may be able to select as an option;

  • Outdoor Sign Insurance
  • Money and Securities Insurance
  • Employee Dishonesty Insurance
  • Water Back Up Insurance
  • Hired & Non-Owner Auto Liability Insurance

Pharmacy Errors & Omissions Insurance or Druggist Liability Insurance

Pharmacy E & O Insurance or Druggist Liability Insurance provides Professional Liability for a Pharmacy, it does not cover general liability losses like a slip & fall in your Pharmacy or damage to your property like a property insurance policy, it covers errors, omissions or mistakes than can be made my the pharmacist, some examples are:

  • Dispensing the incorrect prescription
  • Overlooking a drug interaction
  • Improper delivery of a drug
  • Improper labeling a Prescription
  • Improper disposal a pharmaceutical
  • Improper counseling & consultation

What is the average cost of a pharmacy Business owners insurance policy?

Although we’d like be able to post “book rates” for Pharmacy Insurance costs, it would be impossible to do so as the cost to insure a Pharmacy is based on factors unique to all pharmacies: square footage, building construction, security features, location, liability insurance limits requested, and property insurance coverages. However the information questionnaire needed to rate the insurance coverage cost is a quick and simple process.

Typically a Pharmacy BOP Insurance policy is very competitively priced, however remember the BOP Policy does not provide coverage to items such as Workers’ Compensation, or Commercial Auto Insurance but we can include the Professional Liability Exposure and provide the other insurance coverages.

Or Click Here for a Free Pharmacy Business Owners Insurance Quote 

Our Pharmacy Insurance Policy is available in New York NY, New Jersey NY, and Pennsylvania PA, Connecticut, CT, California, CA, Massachusetts, MA.

Castle Rock Capacity Insurance Agency – Pharmacy Business Owners Policy

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Pharmacy BOP Policy
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