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Our royal cover is just what the doctor ordered

In a nutshell

As healthcare professionals with specialised education and training, pharmacists wear many hats to ensure that your patients enjoy the best possible healthcare. We also consider you to be small-business owners when you own the pharmacy you practice in, which means that you face a variety of unique risks. And that's exactly why we have developed our unique business cover for you.

Key benefits

  • All-in-one insurance policy cover for pharmacies.
  • Talk to your broker about decreasing your vehicle's premium monthly

Target market

  • All pharmacies.

Pharmacists cover

Buy the best cover in town, when you join our royal family

  • Accounts receivable.
  • Acquisition of new business.
  • Architects & other professional fees.
  • Capital additions.
  • Cross liabilities.
  • Demolition & clearing costs.
  • Deterioration of foodstuffs.
  • Disposal of salvage.
  • Emergency medical expenses.
  • Employees' & visitors' property.
  • External signs, blinds, building canopies, gate motors.
  • Fire Extinguishing charges.
  • Gratuitous advice.
  • Load shedding power surges.
  • Locks & keys.
  • Loss of water.
  • Power surges & lightning strikes.
  • Prevention of access.
  • Property temporarily removed.
  • Public authorities' requirements.
  • Public supply connections.
  • Rent & alternative premises.
  • Security costs.
  • Skeleton keys.
  • Tenant's liability.
  • Water heating systems & pressurised pipes.
  • Accidental damage.
  • Bursting or overflowing of geysers, water heating systems & pressurised water pipes (cover for wear & tear can be included).
  • Business all risks.
  • Debris removal.
  • Dispensing risks.
  • Electronic equipment.
  • Fidelity cover.
  • General liabilities.
  • Glass.
  • Goods in transit.
  • Leakage by sprinklers, drenching systems of fire extinguishing equipment.
  • Leakage of oils/chemicals/fumes.
  • Malicious damage.
  • Motor: Passenger liability & unauthorised passenger liability.
  • Motor: Specified or fleet basis (deposit premium options).
  • Non-forcible & violent entry into vehicle.
  • Office contents.
  • Personal accident & stated benefits.
  • Prevention of access.
  • Riots & strikes.
  • Security services.
  • Specified or unspecified suppliers, customers & sub-contractors.
  • Spread of fire.
  • Subsidence & landslip.