Business Insurance
Pharmacy Insurance
Emsar Insurance specialises in providing comprehensive insurance solutions specifically designed for pharmacies. We understand the unique risks and challenges faced by pharmacy owners and work tirelessly to protect your business, assets, and reputation.
At Emsar Insurance, we specialise in Pharmacy Insurance, offering unmatched expertise and dedicated service to pharmacy owners. We understand the unique risks faced by the pharmaceutical industry and have tailored insurance solutions to address them effectively.
Our comprehensive coverage encompasses areas such as stock and equipment protection, business interruption, professional indemnity, and liability.
With years of experience working with pharmacies, we have developed a deep understanding of your specific needs and challenges. Our team is committed to providing personalised guidance, prompt claims handling, and proactive risk management strategies to ensure the continued success and protection of your pharmacy business.
Trust us to be your reliable partner in safeguarding your pharmacy against potential risks.
Pharmacy Professional Indemnity & Liability
Our offering is APHRA Compliant. Professional Indemnity & Liability coverage $20m. We cover pharmacy entities along with their pharmacists and employees for their risk of breaching their professional duty of care. Included is a cover for General Dispensing, Compunding (If required), Vaccinations (Including Covid), Weight Loss Management, Cholesterol, Nutrition, and many more normal pharmacy activities
Public & Products Liability
Your legal liability for personal injury or damage to property due to an occurrence connected with your business is covered where you are at fault. Defence Costs are also standard
Pharmacy Building
Provides protection for your pharmacy building if it was damaged as a result of a fire, storm, malicious activity or another defined event listed in the policy.
Contents, Fixtures / Fittings & Stock
Specific events including fire, storm, lightening, impact by vehicles, explosion and earthquakes. Accidental & Malicious Damage is also covered. Prescription Data: Cover for loss resulting from loss or damage to prescriptions or any information required by relevant statutory authorities to remunerate you under existing legislation. The benefit will pay the redeemable value of the prescriptions or other information that is lost or damaged. It will also cover the reasonable costs for reproducing or rewriting the prescription information that is lost, destroyed or damaged.
Business Interruption
Cover for financial loss as a result of an interruption to your business caused by an insured event.
Burglary
If someone breaks into your premises using forced or violent entry, you are covered for the theft of stock, other business contents and electronic equipment in your building.
General Property
Cover for items of your choice such as mobile phones and laptop computers, whether you’re in the officer or anywhere in the world.
Glass Breakage
You’re covered for the replacement value of broken glass including the cost of temporary shuttering, replacement of signwriting and repair of plastic signs up to $5,000. Any stock damaged by the broken glass is also covered at the cost value.
Public & Products Liability
Your legal liability for personal injury or damage to property due to an occurrence connected with your business is covered where you are at fault.
Fraud & Dishonesty
You are covered for the loss of money or goods due to any act of fraud or dishonesty by your employees, whether they are acting in collusion with others or alone. This fraud or deception needs to be discovered during the insurance period.
Goods in Transit
Loss or damage to your goods/Stock in transit is covered against specific events.
Money
You’re covered for loss or theft of money from certain locations. Any loss of money caused by accounting or clerical errors or theft from staff is not included.
Equipment Breakdown
Your mechanical or electrical equipment is covered, as well as specific electronic devices.
Tax Audit
Your professional fees, including legal and accounting fees, associated with a business tax audit, are covered.
Statutory Liability
Statutory Liability Insurance is a product that has been developed to protect companies and individuals against liability for statutory fines and penalties that are a result of unintentional breaches of legislation
You can trust Emsar Insurance to safeguard your pharmacy, ensuring the longevity and success of your business. Contact us today to learn more about our comprehensive insurance solutions tailored for pharmacies.
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Empower yourself with the protection you deserve. Request a quote from us today and take the first step in securing a worry-free tomorrow.
