M-Pharm Property Owners Insurance
Thank you for your interest in M-Pharm Property Owners Insurance, a dedicated pharmacy ‘buildings and contents’ product, designed for a pharmacy business that also owns the building(s) it operates from.
It is offered to independent and sole-trading Community Pharmacies, and Pharmacies based within GP Practices.
To get a quote, please click the ‘Get a quote’ button and complete the form. One of our Advisers will be in touch very soon to discuss your requirements.
Product Features* |
Cover |
| Employers liability | Upto £10m |
| Public liability | Upto £5m |
| Contents insurance | General contents, trade stock and medicines as well as separate cover for contents of fridges |
| Business interruption | Cover for the profit of the business due to loss of trade because of a major event |
| Money | Theft of money from your premises 24 hours a day and in transit |
| Non-negotiable money cover |
Financial loss suffered through theft or loss of cheques, postal orders, EFT receipts, stamps or any other monetary items with a cash value |
| Staff dishonesty | Reimbursement in the event one of your team defrauds the business |
| Equipment breakdown | Repair or replacement against breakdown of fridges and most medical, computer & electronic equipment |
| Business absence cover (Key person) | A cash injection of up to £500 per week when a key member of staff is absent for more than eight weeks |
| Legal defence costs | To defend the business through a legal or employment process, or advice about all matters legal |
| Tax investigation cover | The cost of appointing an accountant if you are subject to a HMRC investigation |
| Reinstatement of data / records | Restoring data to a useable format if lost or damaged by an insured event |
| Personal accident | Financial assistance with lump sum payments and, dependent on policy, help with hospital costs |
| Signage and glass | Cover against damage to plate glass windows, lettering and any business signage |
| Trace and access | Covers the costs incurred in finding the cause of a leak |
| Subsidence | Cover for building repairs if it becomes structurally unsound or suffers movement |
| Lorega loss recovery (optional) | An independent claims expert, on site advising, coordinating and guiding you through the process of recovery after a large loss |
| Goods in transit cover (optional) | Cover for the delivery of prescription medicines to patients – up to £500 as standard and considered up to a maximum of £5,000 |
| 24 hour claims helpline | Report a claim when it suits you, any time of the day or night |
*Subject to the full terms and conditions contained in the policy. Not all features available in all policies.