Safeguard Your Pharmacy with Indemnity Insurance

Pharmacy professional indemnity insurance— or medical malpractice cover, is your frontline defence against costly legal claims. Whether you’re a pharmacy owner, staff member, or locum, this essential protection shields you from financial loss if a patient suffers harm due to a negligent act or oversight. It’s not just smart, it’s vital peace of mind for everyone involved in patient care.

Cover features

• Limit of £10m aggregate
• Cover for all employees and engages (locums)
• Retroactive cover
• Covid & Flu Vaccinations
• Pharmacy First
• Legal Helpline of trained qualified person
• GPHC Investigation costs and expenses up to £50,000
• Legal Expenses cover £100,000
• FREE Run Off Cover for 36 months
• Claims Manager Advocate with 12+ years experience in pharmacy
• A+ Rated Insurer
• Nil Excess
• All PGD’s (excluding weight loss)

Your pharmacy is more than a place of business—it’s a hub of care, trust, and responsibility. With Commercial Pharmacy Insurance, you get comprehensive protection for your premises, stock, and operations. But it doesn’t stop there. Coversure can source policies that include Employers’ Liability Insurance, ensuring you’re covered if a staff member, whether permanent, temporary, or a locum, suffers an injury or illness while working. From dispensing medication to managing foot traffic, you can focus on serving your community, knowing your business and team are fully protected.

• Employers Liability Limit of 10m each and every occurrence
• Business Interruption £1m standard
• Seasonal increase – stock sum insured increased by 25% for the months of September, October, November and December
• Tenants Improvements cover (with the first £7000 included free of charge)
• £5000 refrigerated goods (per location)
• Money on premises up to £4,000 during business hours or in a locked safe
• Crisis containment cover
• A rated Insurer

Whether you’re delivering prescriptions, restocking supplies, or managing multiple locations, your pharmacy vehicles are vital to keeping operations running smoothly. With Fleet Insurance for Pharmacies, you can cover all your business vehicles under one streamlined policy, saving time, money, and hassle. From cars to vans, whether driven by staff or locums, you’ll can be protected against accidents, theft, and breakdowns. It’s practical, scalable coverage that keeps your pharmacy mobile and your patients cared for.

• All vehicles can be insured for “any authorised driver”. Terms and conditions will apply.
• Save money by insuring multiple vehicles on a single policy.
• Save time by having all your vehicles on one policy means you only have one policy to administer.
• Enjoy greater flexibility by adding or removing vehicles and/or drivers as you need to.
• Help should you need to make a claim.
• Breakdown cover is also available.

Directors and Officers’ Insurance

Your pharmacy’s leadership team, directors, officers, general managers, and LLP partners, make critical decisions every day. But with responsibility comes risk. Coversure can source Directors & Officers Insurance offering vital protection against claims of alleged wrongful acts, including breach of duty, negligence, or health and safety failures.

Corporate Legal Liability

Your pharmacy may stand as a separate legal entity, but that doesn’t mean it stands alone when legal trouble strikes. Corporate Legal Liability Insurance can be your shield against claims that target the business itself—from allegations of mismanagement and health & safety breaches to corporate identity fraud, discrimination, or unfair dismissal. Whether it’s a regulatory investigation or a civil lawsuit, this cover helps safeguard your company’s reputation, finances, and future. Stay compliant, stay confident, and let your business thrive with the right protection in place.

Employment Practices Liability Insurance for Pharmacies

In today’s evolving legal landscape, pharmacy employees are more informed than ever about their workplace rights. With growing protections against discrimination, harassment, unfair dismissal, and victimisation, even well-intentioned employers can face costly claims. That’s where Employment Practices Liability Insurance comes in. It can safeguard your pharmacy, directors, and management team from financial loss arising from employee claims related to workplace practices. Whether you run a single dispensary or a chain of pharmacies, this cover helps you stay compliant, confident, and protected.

Whether you operate a bustling multi-branch pharmacy or a trusted local dispensary, cyber threats don’t discriminate. With vast amounts of sensitive patient data at your fingertips, your pharmacy is a prime target, and even one weak link can open the door to devastating breaches. From phishing scams to ransomware attacks, cybercriminals are constantly evolving, and assuming “it won’t happen to my business” isn’t a practical solution.

That’s where Cyber Insurance steps in. Tailored to your pharmacy’s unique needs, it acts as your financial and operational safety net when digital defences are breached.

Cover can include:

• Data loss
• Extortion claims
• Network damage and rebuild costs
• Business interruption
• Legal fees
• Added value services, including firewall protection, anti-virus software, and monitoring software

Our Legal Claims partner, ARAG, provides pharmacies with legal advice, addressing key risks in operating a retail pharmacy business. Below is a summary of the legal services:

• Legal Defence
• Employment:
• Regulatory Matters:
• Coroner’s Inquest:
• Debt and Contract:
• Compliance:
• Cover for Employment Restrictive Covenants
• Tax and Property Disputes
• Access to a Legal/Tax Advice Line, Counselling Line
• Online legal document/templates for business support, enhancing operational efficiency and compliance.