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

Target market

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 risk.
  • 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.
  • Riot & strike.
  • Security services.
  • Specified or unspecified suppliers, customers & sub-contractors.
  • Spread of fire.
  • Subsidence & landslip.