Why you need Drugstore Insurance
不管是什么病，你都能照顾到你的顾客. But who’s covering you? With Drugstore Insurance from State Farm®, 我们可以为您的潜在商业风险提供包治百病的pp王者电子官网. For example, we can cover you in cases of:
- Theft – Products go missing. This happens, even with the best-laid prevention plans. 药店pp王者电子官网可以恢复你失去的产品和你的安心.
- Spoilage – Refrigerators break down. Storms take out on-site power. 有时顾客没有按照计划购买那么多农产品或易腐物品，所以东西就坏了. 与其寄希望于用未来的销售来弥补损失，不如为损失投保.
- On-premises injuries or pharmaceutical blunders – 在刚擦过的过道上，人们在难以察觉的水坑上滑倒, 有时候药剂师在开处方时也会犯错. 不要让这些人为的错误毁掉你梦想中的事业. Professional liability coverage can help.
What Drugstore Insurance covers
- Property – Covers your building, improvements, contents, equipment, 以及承保的意外直接实物损失的库存.
- Liability – 针对因财产损失而产生的昂贵索赔和诉讼的保护, bodily injury, or personal and advertising injury.
- Professional Liability – 为药剂师的职业暴露提供责任pp王者电子官网.
- Valuable Papers and Records – 用于研究、恢复或替换不存在副本的信息的覆盖率.
- Spoilage – 易腐货物因机械故障造成的意外直接实物损失, power outage, or refrigerant contamination.
- Equipment Breakdown – 因被保设备机械故障引起的温度变化对被保财产造成的损失, 人为产生的电流损坏被覆盖的设备, 蒸汽锅炉爆炸或蒸汽/热水锅炉失效.
- Employee Dishonesty – 保护企业个人财产免受直接物理损失, including money and securities, resulting from dishonest acts committed by employees.
- Accounts Receivable – 当由于应收账款记录在承保损失中丢失而导致欠企业的款项无法开票或收回时，提供pp王者电子官网.
- Utility Interruption Loss of Income – 为因通讯故障而导致的业务中断所造成的收入损失提供pp王者电子官网, water, natural gas, or electrical service to the premises.
Consider adding additional coverages
Commercial liability umbrella policy
Workers' compensation
Talk to a local State Farm agent
这只是对现有商业pp王者电子官网种类的pp王者电子官网范围的一般说明，并不是合同的说明. Details of coverage, limits, 或者服务可能不适用于所有业务，在某些州有所不同. All coverages are subject to the terms, provisions, exclusions, 以及保单本身和任何背书的条件. 联系州立农场代理获取更多信息和定制报价.
State Farm(包括State Farm Mutual Automobile Insurance Company及其子公司和附属公司)不负责, and does not endorse or approve, either implicitly or explicitly, 从本页超链接的任何第三方网站的内容. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, 仅供参考之用，并不是征求购买或出售可能在该等第三方网站上引用的任何产品.
人寿pp王者电子官网和年金由州立农场人寿pp王者电子官网公司发行. (Not Licensed in MA, NY, 州农场人寿和意外pp王者电子官网公司(在纽约和威斯康辛州有执照)总部, Bloomington, Illinois.
- State Farm Mutual Automobile Insurance Company
- State Farm Indemnity Company
- Bloomington, IL
- State Farm County Mutual Insurance Company of Texas
- Richardson, TX
- State Farm Fire and Casualty Company
- State Farm General Insurance Company
- Bloomington, IL
- State Farm Fire and Casualty Company
- Winter Haven, FL
- State Farm Lloyds
- Richardson, TX
- State Farm人寿pp王者电子官网公司(未在MA, NY或WI获得许可)
- State Farm人寿及意外pp王者电子官网公司(在纽约州及威州持牌)
- Bloomington, IL