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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 routed by CHAD registered broker partners |
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.
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Our AMF-certified brokers compare several insurers to find you the best business coverage.