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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*


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


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



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.

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MIAB is a trading style of The Medical Insurance Advisory Bureau Ltd which is authorised and regulated by the Financial Conduct Authority under register number 586374 as a general insurance intermediary and as a credit broker. MIAB does not charge any fees to customers in relation to Credit Broking activities. In Jersey, MIAB is regulated by the Jersey Financial Services Commission Ref: GIMB0222. The Medical Insurance Advisory Bureau Ltd Registered in England and Wales No. 7217140 Registered office: 64 Wilbury Way, Hitchin, Hertfordshire, SG4 0TP.

Our aim is to always provide our customers with a first-class service, however, in the event of a complaint, please contact our Complaints Manager, on 01438 730210 or email If you cannot settle your complaint with us, eligible complainants may be entitled to refer it to the Financial Ombudsman Service (FOS) for an independent assessment. The FOS Consumer Helpline is on 0800 023 4567 and their address is Financial Ombudsman Service, Exchange Tower, London E14 9SR. Copyright © 2018 The MIAB. All Rights Reserved.

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