Pharmacy Shop Insurance

Let us help you find the right insurance for your pharmacy. As a broker, we’ll make the process as easy as 1, 2, 3, by taking on the work involved in finding you the right cover at the right price, so


Pharmacy Insurance

Let us help you find the right insurance for your pharmacy. As a broker, we’ll make the process as easy as 1, 2, 3, by taking on the work involved in finding you the right cover at the right price, so you can get on with your serving customers and running your pharmacy.

Why Pharmacy Insurance is Important

Pharmacy shop insurance is designed to protect your peace of mind by defending you and your business against unexpected mishaps – everything from damage to your premises and injuries to staff or customers, to claims made against any advice you give and prescriptions you fulfil.

It can help you to get back up and running quickly if your pharmacy premises are damaged or even destroyed by a serious incident like fire or flood ‒ and even help replace any income you lose out on while getting everything back to normal.

A packaged pharmacy insurance policy, also known as commercial combined insurance for pharmacies can also help to defend you and your finances if an employee or a customer is injured or falls ill at the pharmacy and you are held liable.

A particularly important insurance cover for pharmacies is pharmacy liability insurance. A type of professional indemnity insurance, which can be vital to defending your reputation and your finances if you are accused of a failure in your professional duties, from errors and omissions in advice to errors in the fulfilment or labelling of prescription drugs. Specifically, pharmacy liability cover can step in to fund any legal defence and cover damages awarded against you.

On top of that, the right pharmacy shop insurance should cover damage or losses, including money, for instance resulting from a break-in, or goods damaged in transit, and automatically adjust to reflect increased stock levels ‒during flu jab season for example.

Cover Available for Pharmacies

  • Property damage.

  • Damage to medicines including refrigerated medicines.

  • Legal expenses.

  • Business interruption.

  • Public liability.

  • Products liability.

  • Employers liability.

  • Theft by employee.

  • Personal accident.

  • Book debts.

  • Money.

  • Goods in transit.

  • Specified all risks.

  • Terrorism.

  • Claims Preparation fees for property damage claims.

Call our team to receive your free, no obligation quote today.

Phone lines are available Mon-Fri: 9am - 5pm

Quote Line: 0330 134 4564

About the Pharmacy Industry

At the last count there were 11,699[1] community pharmacies in the UK, all of which play vital roles in the lives of millions of people. Pharmacies provide non-urgent medical advice, advice on medicines and, of course, fulfil around 1.1 billion prescriptions every year[2].

Needless to say, each business is different – some now provide travel and other inoculations, while some deliver prescribed medicines to infirm patients. These days, most also sell toiletries and health and beauty products as well as over-the-counter medicines.

That diversity of stock, including seasonal increases for things like flu jabs and travel inoculations, as well as the professional duty of care that all pharmacists must adhere to, means all are subject to significant business risk.

That’s why it’s really important to think carefully about pharmacy insurance needs – from property cover to pharmacists liability or indemnity cover. Better still, get expert help and support from an expert like smei, who can help you to quickly assess all the risks you need to protect against, and find you the right insurance, at the right price.

Get a Pharmacy Insurance Quote

Let us help you find the pharmacy shop insurance you need to protect your business – quickly and without fuss. We will help protect your peace of mind and make buying your pharmacy insurance as easy as 1, 2, 3 ‒ so get in touch today for a quote.


Terms and conditions

*Standard and optional cover may differ dependent upon insurer.

smei is a trading name of Marsh Commercial, a UK award winning expert in insurance and risk management, and part of the same business family as Marsh, a global leader in insurance broking and risk management. Occasionally a representative from Marsh Commercial may contact you in response to your enquiry if your trade type is better suited to that area of the business. 


Using a broker to arrange your insurance may help reduce your workload and the associated time it takes you to search for your insurance. It is our aim to help you get value for money therefore we use the strength of our market position to negotiate with insurers, in advance, the product and premium pricing. We do this to help deliver the right product, at the right price for our customers. To present you with the options available to you, we compare insurance from a panel of UK insurers so that we can recommend a product to suit your business needs.


You can get a quote by telephone. On average a quote will take around 10 minutes over the phone, depending on the complexity of the business requirements.


Your quotation is valid for 30 days.

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

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