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Key Benefits

Property Damage and Business Interruption

‘All Risks’ of physical loss of damage subject to standard policy excess and conditions.

Limits for each location, or as agreed

  • Buildings & Tenants Improvements          £1,500,000
  • Contents                                                        £500,000
  • Stock                                                               £500,000
  • Rent                                                                £1,500,000
  • Business Interruption                                 £15,000,000

Money                                      Limit up to £10,000 per location

Employers Liability                £10,000,000 any one occurrence

Public Liability                        Limit up to £5,000,000 any one claim

Deterioration of Stock           Limit up to £7,500 per location

Goods in Transit                     £2,000 per vehicle

Medical Malpractice

The insurance is designed to provide Policyholders with the following insurance protection.

  • The cost of legal representation and associated costs
  • The payment of any compensation awards made against the pharmacist in respect of:
    • Committing an act of negligence, error or omission
    • Providing wrongful advice
    • Breaching confidentiality
    • Committing libel or slander

The Medical Malpractice insurance provides limits of £2,000,000 or £5,000,000 worth of cover per incident per year.

Management Protection Insurance

Management Protection provides protection to Directors and managers against personal liability for wrongful acts. The insurance also includes cover designed to safeguard Directors and managers’ financial stability in the event of a claim.

  • Management protection insurance covers claims notified during the period of insurance and included the actions of past, present and future directors and managers are covered as insured persons.
  • Legal representation costs and investigations covered in addition to:
    • Civil fines and penalties
    • Compensation for court attendance
    • Crisis and regulatory event cover
    • Corporate manslaughter/ Homicide act
    • Emergency costs and expenses
    • Outside directorship liability
    • Pollution defence costs
    • Social Media/Public Relations consultancy fees
    • Spousal cover
    • Employment Practices liability

The Management Protection Insurance provides limits of £2,000,000 or £5,000,000 worth of cover per incident.

Crime Insurance

Fidelity insurance protects a policyholder from theft of property including money by an employee. This important area of insurance is often overlooked and is not covered by a standard policy covering theft insurance.

This insurance also covers computer fraud and funds transfer fraud which is committed against the policyholder by third parties. This area of crime risk is becoming increasingly common.

The limits of insurance range from £100,000 to £250,000.