QUICK QUOTE
Tailored protection for pharmacies
Running a pharmacy involves much more than selling medicines. You are responsible for the health of your customers, the safety of your employees, and the protection of your sensitive inventory. Appropriate pharmacy insurance is essential to deal with legal, financial or technological risks. Protect your business with tailored coverage.
Why specialized insurance?
- You handle sensitive and high-value medications.
- You can be held liable at any time.
- You need to protect your inventory from theft, fire, or refrigeration failures.
- Errors in delivery may result in prosecution.
- Your IT systems contain confidential medical data.
Types of Coverage Frequently Offered
| Guarantee | Description |
|---|---|
| Professional Liability | Protects in the event of a dispensing error or advice related to a medication. |
| Property Insurance | Covers damage to your premises and inventory. |
| Business interruption | Compensates for revenue lost in a disaster resulting in a shutdown. |
| Cyber risks | Protects against hacks and leaks of confidential data. |
| Legal protection | Covers legal costs in the event of a dispute with a customer or supplier. |
Allows you to see different options available according to your profile
As a pharmacist, using an insurance comparison tool allows you to:
- Make an informed choice according to your real needs, without obligation.
- Save precious time by comparing several offers at once.
- Access to insurers specialising in the pharmaceutical sector.
- Get competitive rates and targeted coverage.
- Avoid duplicate coverage and misunderstood exclusions.
List of insurers offering pharmacy products (without implicit classification)
| Insurer | Possible products / coverages | Peculiarities |
|---|---|---|
| Intact Insurance | Liability, commercial property, cyber risks | Products for small and large businesses |
| Promutuel Insurance | Liability, inventory, business interruption insurance | Presence in several regions of Quebec |
| Aviva insurance | Asset protection, liability, data risk | Modular solutions for retail |
| Beneva | Business, property, liability insurance | Insurance offer for different types of companies |
| Desjardins Insurance | Property, Liability, Employee Coverage | Range of insurance tailored to professional services |
| Other partner insurers | Depending on availability and customer profile | Offers sent by partner brokers registered with the Chambre de l’assurance |
Why do I need specific pharmacy insurance?
Because some pharmacy activities expose you to specific risks relating to health, stocks or data.
Est-ce que toutes les assurances incluent une protection contre les cyberrisques ?
No, this warranty is often offered as an option. It is essential to check if it is included or add it according to your computer systems.
Combien coûte une assurance pour pharmacie ?
The cost of insurance depends on factors such as the size of the pharmacy, inventory value, revenue, and claims history. It could vary greatly depending on this profile.
What are the main coverages of pharmacy insurance?
Une assurance pharmacie au Québec regroupe généralement : responsabilité civile générale (dommages causés à des tiers), biens commerciaux (bâtiment, équipement, stocks), bris d’équipement, interruption des affaires (perte de revenus après sinistre), et selon le secteur, responsabilité civile professionnelle ou cyber-risques. Le contenu exact varie selon l’assureur et votre profil — votre courtier partenaire adaptera la police à vos activités.
What exclusions should I check before signing?
Les exclusions les plus fréquentes en assurance entreprise : faute intentionnelle, usure normale, sinistres antérieurs à la police, certains risques catastrophiques (inondation, tremblement de terre — souvent en option), équipements mobiles hors site, et activités non déclarées à la souscription. Toujours lire les clauses d’exclusion et déclarer toutes vos activités pour éviter un refus d’indemnisation en cas de sinistre.
Can I bundle my pharmacy insurance with my car or home insurance?
Oui, la plupart de nos cabinets partenaires certifiés AMF offrent le regroupement multi-produits. Combiner votre assurance entreprise avec l’auto ou l’habitation peut générer un rabais de 10 à 15 % sur l’ensemble des primes, en plus de simplifier la gestion (un seul interlocuteur, une seule échéance). Chez Assur360, la soumission analyse systématiquement l’option regroupée.
How does professional civil liability work?
La RC professionnelle couvre les erreurs, omissions ou négligences commises dans l’exercice de votre profession, ainsi que les frais de défense légale. Elle est distincte de la RC générale (qui couvre les dommages corporels ou matériels causés à des tiers dans le cadre de votre exploitation). Selon le secteur d’activité, la RC pro peut être fortement recommandée ou exigée par contrat (ex. : donneurs d’ordre, associations professionnelles).
How long does it take to get a pharmacy quote through Assur360?
Le formulaire en ligne prend 3 minutes à remplir. Vous recevrez ensuite un appel ou courriel d’un cabinet partenaire certifié AMF (membre de la Chambre de l’assurance) dans les 24 à 48 heures ouvrables avec une soumission personnalisée à votre entreprise. La soumission est gratuite, sans engagement — vous restez libre d’accepter, refuser ou négocier.
Request your quick and free quote
COMPARE AND SAVE
Protect your business at the best price
The brokers of our AMF-certified partner firms compare several insurers to find you the best business coverage.