Pharmacists Insurance
Commercial Insurance

Pharmacists and Pharmacy Insurance

Pharmacists Insurance for: Ontario, Manitoba and British Columbia

▶ Download: Pharmacist Professional Liability Application (December-2024) 

This program is in place to specifically cover the needs of practicing pharmacists. The professional liability insurance is offered Canada wide. We understand that your business is high risk and unique, which is why have teamed with an insurance company that specializes in your industry.  In this package we offer a competitive rate at which you can feel safe and know that you are covered in the event of a loss.

Individual Professional Liability for Pharmacists & Pharmacy Technicians

This package has a choice between two types of coverage’s

  • $2,000,000 per occurrence with a $4,000,000 annual aggregate
  • $5,000,000 per occurrence with a $5,000,000 annual aggregate and $100,000 legal expense for defense in proceedings against you by the Ontario College of Pharmacists’ Disciplinary Board, with a $200,000 annual aggregate

This package, and both types also include:

  • Protection for all compensatory damages (subject to policy limits) for which you are legally obligated to pay, resulting from the rendering or failure to render your professional services as mandated by Ontario College of Pharmacists. Provides coverage if you act as a consultant, dispensing full or part-time.
  • No deductible
  • Premiums written on a 12 month policy term
  • Defense from dollar one
  • Prior acts of coverage
  • No membership or association fees to access OCP approved insurance

Annual premium:

  • $195.00 plus tax for $2,000,000 occurrence limit
  • $315.00 plus tax for $5,000,000 occurrence limit
  • Under the “Expanded Scope of Practice” as outlined in OCP Ont. Reg. 302/12, October 2012:
    • Injection Service Coverage | $2MM limit: $65 or $5MM limit: $65
    • Narcotics Signer Coverage | $2MM limit: $40 or $5MM limit: $70

▶ Download: Pharmacist Professional Liability Application (December-2024) 

Pharmacist Liability Insurance Program contact:
Ben Malik
1-888-203-8122 ext. 3221

Pharmacy Owners Insurance Program:

We understand that pharmacy owners need a specific type of coverage, so we have developed the Retail Drug Store Program that specifically suits your type of business. Please review our comprehensive store insurance program to find out more about the specialty package that we offer.

Pharmacy Owners Application For Retail Pharmacy ProgramDownload application here

Pharmacy Owner Insurance Program contact:
Ben Malik
1-888-203-8122 ext. 3221

Have us contact you about your Pharmacy business.

Business - Level 1
  • Medical Malpractice

    This is your liability insurance to protect you against claims made by customers for you mistakes or negligent actions. This liability coverage is designed specifically for pharmacist, providing you with the most relevant protection and premiums.

  • Prior Acts of Coverage

    This is important protection for unexpected claims made against you. Basically, the policy provides coverage for claims made during the policy period. So if there is a pending claim to be made, and prior to your policy period, rest assured you will have coverage.

  • Legal Expense Reimbursement

    Coverage for All reasonable legal expenses in the event you’re involved in a legal proceeding. Defend your business with confidence knowing that All reasonable legal expenses will be paid for.

  • Pharmacy Endorsements

    Highcourt Breckles will help you understand the insurance fine print before it accidents happen. The stress involved in replacing items like master keys, data, media and valuable papers can make for a bad day and come with a major expense. More importantly, your response to the security and privacy of your customer files is paramount to your business and reputation. Specific endorsements for your pharmacy requires a plan that Breckle can help with.

  • Equipment Breakdown

    Often this coverage is also referred to as Boiler and Machinery. We will review insurance options to cover mechanical or electrical breakdown for All of the equipment in your pharmacy.

Have us contact you about your Pharmacy business.

Business - Level 2