PharmaCover: Insurance solutions for pharmacy professionals
From storefront to staff, PharmaCover delivers specialized insurance for pharmacy businesses, licensed professionals, and employees.
Whether you’re protecting your pharmacy, managing professional liability risks, or accessing exclusive group home and auto benefits, our solutions are designed to meet the unique needs of the pharmacy industry.
PharmaCover offers three tailored insurance solutions—each designed to support a different part of your pharmacy journey.
Commercial business insurance
Comprehensive protection for pharmacy operations
Running a pharmacy comes with unique risks, from supply chain disruptions to cybersecurity threats. Our commercial business insurance offers financial protection and risk management solutions tailored to pharmacy operations.
Coverage includes:
- Business interruption insurance – Covers lost income and expenses if your pharmacy is forced to close temporarily due to an insured event.
- Equipment breakdown – Covers repairs or replacement costs for essential pharmacy equipment, such as refrigeration units and dispensing systems.
- Cyber insurance – Protects against cyberattacks, data breaches, and patient information theft.
- Crime & theft protection – Covers financial losses due to employee dishonesty, robbery, or fraud.
- Inventory & stock loss – Includes PharmaCover’s total stock loss endorsement, ensuring coverage for prescription medications, over-the-counter products, and other essential inventory.
With tailored solutions for independent pharmacies, retail chains, and specialty practices, PharmaCover helps keep your business running smoothly.
Professional liability insurance (E&O insurance)
Coverage for pharmacists & pharmacy technicians
Pharmacists and technicians play a critical role in healthcare, but professional risks are always present. Errors & omissions (E&O) insurance, also known as professional liability insurance, provides protection against legal claims related to professional services.
Coverage includes:
Allegations of negligence, errors, or omissions in dispensing medication or providing advice.
Coverage for regulatory complaints and legal defense costs, even if a claim is unfounded.
Flexible policy limits, with options of $2 million or $5 million in coverage.
Choice between claims-made or occurrence-based policies, allowing you to select the coverage structure that best fits your needs.
This insurance is essential for protecting individual pharmacists and technicians from costly lawsuits that could impact their careers.
Group home & auto insurance
Exclusive savings for pharmacy employees
Pharmacy professionals can access significant discounts on personal home and auto insurance through our group insurance program.
Benefits include:
Up to 35% savings on home and auto policies.
Coverage for full-time pharmacy employees, providing access to competitive rates not available to the general public.
Options for enhanced protection, including accident forgiveness, increased liability limits, and comprehensive home coverage.
By leveraging group buying power, this program offers pharmacy professionals an affordable way to protect their personal assets.
Why Choose PharmaCover?
Specialized coverage for the pharmacy industry
PharmaCover is designed to provide pharmacy professionals with tailored insurance solutions backed by industry expertise.
Supporting pharmacy professionals with customized coverage since 2013.
Including total stock loss protection, designed specifically for pharmacies.
Safeguard sensitive patient and business data from breaches and cyber threats.
Dedicated assistance for business, professional liability, and personal insurance claims.
Streamlined insurance solutions for pharmacies, pharmacists, and employees.
Find the right coverage with PharmaCover.
Get started today
Protect your pharmacy, professional career, and personal assets with PharmaCover’s specialized insurance solutions.
Request a quote and experience the PharmaCover difference.