MIAB logo
Call us on 01438 730210

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.

Get a quote

Product Features*


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
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.