Drugstores--No Table or Counter Service for Beverage or Food

What Does GL Code 12374 Cover?

ISO GL class code 12374 specifically covers drugstores that operate without table or counter service for beverages or food. This classification is designed for retail establishments primarily engaged in dispensing prescription medications, over-the-counter drugs, and a variety of general merchandise, including health and beauty products, household items, and convenience goods. It delineates the general liability exposure for these retail operations, focusing on customer interactions within the store environment.

Who Uses This Class Code?

This code applies to independent pharmacies, national drugstore chains, and retail outlets that primarily sell pharmaceutical products and general merchandise. Businesses such as CVS, Walgreens, and local community pharmacies that do not offer sit-down food or drink service would fall under this classification. It also includes drugstores that may have a small grab-and-go section but no dedicated service area.

Common GL Claims for This Class

Common general liability claims for drugstores include customer slip-and-fall incidents on wet floors or uneven surfaces, product liability claims stemming from defective or incorrectly dispensed medications, and property damage caused by shopping carts or customer actions within the store.

Coverage Tips for Code 12374

• Ensure your general liability policy includes coverage for products-completed operations, as claims can arise from dispensed medications or products sold.
• Verify that your policy adequately covers slip-and-fall hazards, which are common in retail environments with high foot traffic and potential spills.
• Review your policy for specific exclusions related to professional liability for pharmacists; consider a separate Errors & Omissions policy if not covered.
• In Florida, be aware of specific regulations regarding prescription drug storage and dispensing, as non-compliance can impact liability coverage.