Characteristics
The plan offers you a great range of covers and benefits as described below:
- Loss of Medical Prescriptions and cheques.
- Pharmacist’s liability as employer.
- Pharmacist’s civil liability to third parties in the event of bodily harm as a result of an action or omission caused by the pharmacist to third parties while practising their profession.
- General Liability.
- Financial support in the event of loss.
- Deterioration of refrigerated products.
- Cash till hold-up.
- Fire and lightning.
- Fire in forested areas.
- Smoke.
- Explosion.
- Short-circuit cover.
- Subsequent losses resulting from fire.
- Natural perils (such as thunderstorms, storms, floods, snow, hail and frost).
- Falling trees and poles.
- Subsidence and landslides.
- Pipe bursting and leaking.
- Theft of contents.
- Loss from theft.
- Terrorism, work stoppage, strikes.
- Malicious actions, vandalism.
- Aircraft crash.
- Vehicle impact.
- Mirror and glass breakage.
- Breaking of signs (pharmacy cross).
- Debris disposal.
- Pharmacy security guarding after suffering damages.
- Covering expenses for relocation and transporting pharmacy contents.
- Licensing costs and design costs.
Supplementary Coverage
You can extend your coverage with additional covers against earthquake and theft as result of burglary.
How much it costs
For a pharmacy with building value at €50,000 and contents – including medicines – at €60,000, the annual costs amounts to €268.50 without earthquake coverage.
If you also choose to buy cover against earthquakes, the annual costs amounts to €470.90