The Pharmacy Insurance You Want for the Assurance You Need 

As a pharmacy professional, your career is so much more than the technicalities. You’re a core piece of your community, continuously ensuring they receive premium health care. After years of training, degrees, and in-pharmacy experience, you know the technicalities count, too—that’s why you never take your job as a pharmacy professional lightly. 

Neither do we. 

Why You Need Pharmacy Liability Insurance

In your career field, mistakes, or even allegations of mistakes, often result in claims of malpractice, negligence, misconduct, and more, which often lead to thousands of dollars in litigation costs, loss of wages, license revocation, and long-term reputation damage.
Further, as your role as a pharmacist or pharmacy tech continues to expand—from vaccinations to consultations and more—an increased opportunity for a claim expands with it.

Our Policy Details

Professional Liability Insurance:
$1 Million Per Occurrence

Professional Liability Insurance:
$3 Million Per Year

General Liability Insurance:
$2 Million Per Occurrence, $3 Million Per Year

$25,000 Identity Protection Plan

$1,000 Stolen/ Damaged Equipment Protection

$2 Million Product Coverage

Coverage for All Pharmacy Professionals 

A Policy that Covers You & Your Specialties

Pharmacy Industry Exclusive Benefits

Our coverage isn’t just comprehensive, efficient, and immediate—it’s also packed with benefits. We’ve designed a unique, members-only collection of exclusive benefits you’ll have access to when you partner with us.

Tech Discounts & Promotions

Partner with us and save up to 30% off the public web price of Lenovo’s entire line of PC products. But that’s not all, you’ll also receive free ground shipping on all web orders as well as monthly, limited-time special offers.

Access to Our Insurance Marketplace

Explore the unique benefits our members receive on our insurance marketplace—including ACA-qualified health insurance, short-term health, telehealth plans, and so much more!

FREE, Professional Website

When you join our team, we offer you a FREE, customizable, professional website to help enhance your business and boost your marketing tools.

Shipping Partnerships & Special Promotions

Take advantage of a unique partnership with UPS through special pricing with 50% off Air, 30% off Ground, and continued FREE UPS Smart Pickup Service.  

Rental Car Discounts & Deals

Receive up to 25% off Hertz Rental Cars with free access to a Hertz Gold Plus Rewards Account or up to 7% off on Thrifty Car Rental and Dollar Car Rental.

The Competition Doesn’t Compare

(PIP) COMPARISON CHART GUIDE

HPSO

PROLIABILITY

PIP

Occurrence-Form Coverage Yes Yes Yes
Professional Liability Insurance
(Malpractice)
$1 Million Per Occurrence
$3 Million Per Year
$1 Million Per Occurrence
$3 Million Per Year
$1 Million Per Occurrence
$3 Million Per year
General Liability Insurance
(Trip & Fall)
Optional Coverage Available
Optional Coverage Available
$2 Million Per Occurrence
$3 Million Per Year
Products Individual Annual Aggregate
No
No
$2 Million Per Occurrence, Per Year
Rental Damage Coverage
No
No
$100,000
Stolen Equipment No No $1,000 with $250 deductible
Members-Only Benefits No Discounts Available for Members Yes
Identity Protection Plan No No $25,000
Annual Fee
$417
$105-$540
$299
NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources, such as url. No guarantee or assurance is made by PIP as to the accuracy or completeness of this information. Get Covered
HPSO PROLIABILITY PIP
Occurence-Form Coverage
Stolen Equipment
Members-Only Benefits
Identity Protection Plan
Annual Fee $417 $105-$540 $299
Get Insured
NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources, such as url. No guarantee or assurance is made by PIP as to the accuracy or completeness of this information.

Flexible Purchase Options

w

Free 20 Min Chat

Vestibulum ac diam sit amet quam vehicula elementum sed sit amet dui.

Book Appointment

Vestibulum ac diam sit amet quam vehicula elementum sed sit amet dui.

1st Session!

Vestibulum ac diam sit amet quam vehicula elementum sed sit amet dui.

Shop for Insurance Like a Pro 

Have a question about how our coverage can work for you? Ask us here! We’ll get back to you with the policy answers you’re looking for.

First Name:
Last Name:
Email:
Profession:

Frequently Asked Questions

What is liability insurance?

Liability insurance is a type of risk management coverage that the insured (that’s you!) invests in to be protected and relieved of the financial responsibility of a potential loss. Think about liability insurance like it’s a safety net that’s got you covered should something—no matter how unpredictable or unlikely—go wrong. This type of insurance will protect you, your career, your finances, your reputation, and your future from claims, allegations, and potential litigation.

Is there more than one type of liability insurance?

There are many different types of liability insurance, but the main three include professional liability, general liability, and product liability. Professional liability will provide protection when a client, patient, or customer deals with (or claims to deal with) injury, damage, or negligence that happened during or as a result of your service.  General liability insurance covers damages and injuries that weren’t directly caused by you but happened in relation to you (this is often called slip-and-fall coverage). Product liability insurance covers negative or adverse reactions that your patients or clients have as a result of a product you used.

Why do I need liability insurance?

There are a lot of reasons you should invest in liability insurance, but ultimately, this kind of coverage will put your interests first (not your employer’s), will safeguard your finances, will protect you against the unlikely, the improbable, and the unplanned, shows your clients that you’re prepared and professional, and can give you the peace of mind you need to do your job exceptionally.

What’s the difference between occurrence-form coverage and claims-made coverage?

In our opinion, not all policies are created equally, and a lot of that has to do with the type of coverage you have. An occurrence-form policy offers you coverage for any claim made after your policy has expired as long as the incident in question took place while your policy was active. Claims-made coverage is a type of policy that only covers you for the claims filed within the policy term—in other words, if something happened while you were paying for your policy but wasn’t filed until after your policy expires, claims-made coverage will not protect you. That’s why we’re proud to offer occurrence-form coverage to all of our members!

Should I invest in an individual aggregate coverage or a shared aggregate coverage?

Individual aggregate coverage means that you—and you alone—are covered by your individual policy limit, regardless of claims made by other members who have a similar policy. Shared aggregate coverage means that you share a policy limit with other members who share the same master program. That means if a claim is paid out for other members, you could be left with zero coverage when you need to have an insurer pay for a claim that was filed against you. We’re proud to offer individual aggregate coverage for our members so they can count on being covered every time—no matter what.

Send a Message

Interested in learning more? Have a question about our policy? We’re just an email away.