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Pharmacy Insurance

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Typical Policy Covers

Property

  • Full “All Risks Damage” where damage is defined as loss or damage or destruction.
  • Business interruption cover with an indemnity period of 12 months, 18 months or 24 months.
  • Seasonal increase of stock of 25%.
  • Cover for all fixed internal & external glass.
  • €10,000 Fire Brigade charges cover as standard.
  • Automatic re-instatement of the sum insured after loss.
  • Money cover up to €10,000.

Liability & Professional Indemnity Covers

  • €13,000,000 Employers Liability including locums and supervising pharmacists.
  • Public Liability cover up to €6.5m.
  • Professional Indemnity, Dispensing Risk and Products Liability cover up to €10m on a “claims made” basis(claims made during the period of insurance irrespective of date of occurrence are covered under the policy).
  • Wrongful arrest up to €250,000.
  • Cover for legal expenses including fitness to practice cover.

Optional Benefits:

  • Goods being transported,
  • Buildings cover in case of accidental loss, destruction or damage,
  • Cover for neon signs,
  • Accidental damage to and breakdown cover for computers,
  • Household goods cover,
  • Business interruption – including loss of medical practice within 5km of premises.