M-Pharm Property Owners Insurance
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.
|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|
|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.