Pharmacy & pharmacists insurance

Safeguard your pharmacy assets and future with tailored coverage, designed to meet the unique challenges modern pharmacy faces. All backed by our knowledge and expertise within the healthcare sector.

Offering more choice to pharmacies

We know that pharmacy businesses have limited options when buying insurance. In response, we have launched a suite of new products to offer pharmacies more flexibility and choice.

Flexibility is key, and policies can be combined together, simplifying your purchase into one policy with a common date. Or if you would prefer to buy these products separately, you can.

Unlike some other providers, we’re free of compulsory membership, meaning that there is no additional cost to accessing our products.

Pharmacist browsing medicines on shelf

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Professional indemnity

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Public liability

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Property & Contents/Shop insurance

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Employers' liability

Speak to the specialists

Our policies have been developed by a team who truly understand your business and that have more than 10 years of experience within the pharmacy sector.

As specialist insurance brokers to the health and care sector, we are dedicated to sourcing solutions for pharmacies and pharmacists, designed to protect you and your business from every angle.

We're always here to help

Simply complete the form to request an indicative quote. Alternatively, reach out to us directly or request a callback to speak to our team of specialists.

We have you covered

Every pharmacy is different. But no matter what your set-up is or what services you provide, we’re here to get you the cover you need.  

We work with and provide solutions for both single site community pharmacies through to larger pharmacy groups with multiple locations.

If you are thinking of expanding your clinical services whether through PGD’s, or independent prescribing, we will adapt your coverage to grow with you.

For the pharmacyFor the pharmacist

The following amount of cover is automatically within the base premium for your pharmacy insurance:

  • Employers’ liability at £10 million
  • Business interruption up to £1.5 million over 24 months
  • Tenants improvements up to £7,000
  • Refrigerated vaccines £7,500
  • Goods in transit £5,000
  • Damage to shop front £20,000
  • Buildings cover available

For your professional indemnity and public liability coverage you can benefit from:

  • Cover available from £495 plus insurance premium tax and fee
  • £10 million of cover any one claim and in total
  • Public and products liability cover included
  • Option to add independent prescribers from £100 plus insurance premium tax
  • Pharmacist delivered PGDs included as standard
  • Cover for off-site vaccination services
  • Fitness to Practise defence included
  • Legal expenses policy with employment dispute cover and helplines included
  • Wholesale and aesthetic extensions available
  • Retroactive cover available
  • Claim free discounts available

Do you have additional risks that need to be covered? You can find more information about the policies available below. For commercial pharmacies – speak to our team to understand your options.

Insurance tailored to you

Insurance designed to cover you against claims made by employees or members of the public for negligence, commonly known as ‘slips and trips’, while they are on your premises or under your responsibility. Note, Employers’ Liability is a statutory requirement in most cases the United Kingdom.

Having professional indemnity, otherwise known as medical indemnity, in place as a pharmacist will protect you against financial loss in the event of a negligent act or omission that causes harm or injury to a patient.

​​​​​​Insurance that will cover any insured damage that might occur to the pharmacy or its contents, including medicine/drugs, in the event of an unforeseen incident such as fire, flood or theft. Cover can be purchased separately for buildings and contents depending on whether you own or lease your premises.

Insurance that covers you for loss of income during periods when you cannot carry out business as usual due to an unexpected insured event, such as fire or flood.

​​​​​​Insurance for all your commercial vehicles. This will streamline your administrative tasks even further as you can benefit from having them covered under a single renewal date with the rest of your policies.

Pharmacies need to ensure the continuous and safe provision of healthcare services to their customers which is why locum insurance is a staff absence protection that may help to provide financial support to owners in the event they need to source temporary staff.

A cover designed to protect your pharmacy business from the threats in the digital age, including for example data breaches and malicious cyber hacks.

Protection against the potential cost of compensation claims made against your business’ directors in the event of any negligent act or error in the performance of their duties.

Employee benefits & wellbeing solutions help to foster a positive work environment and contributes to the overall long-term stability of the business by ensuring the well-being and productivity of staff.

Options available for distant selling pharmacies, otherwise known as e-pharmacies. Get in touch with us to learn more.

Every pharmacy has a unique risk profile and we will work with you to create a bespoke solution. Above are a few common examples of the types of policies that might fit your practice. We will combine depending on your requirements and put them into one easy-to-manage programme.

pharmacist talking to patient

What makes us different

  • Team of industry specialists

    At Howden, we pride ourselves on being a specialist broker who goes the extra mile when serving our clients. With vast experience in the health and care sector, we have an in-depth understanding of our clients’ needs and day-to-day challenges.

  • The broker route

    We are independent of membership organisations, meaning that at a time when there is significant financial pressure in the pharmacy sector, you don’t have to purchase membership packages to access our cover and protect your business.

  • Won't waste your time

    We know that your time is limited, which is also why you can benefit from a single renewal date for all different policies you need and pay by monthly instalments in order to spread the cost.

  • Keeping you in the loop

    We recognise the importance of staying up-to-date with best practice and industry news which is why we provide regular risk management content to keep you informed and help you make strategic decisions that minimise your exposure to risks.

What happens if I need to make a claim?

Even in the best run businesses, mistakes can happen from time to time and having the right cover in place through a provider that understands your sector is critical.

In the event of an incident, you will be supported by our dedicated claims professionals every step of the way as well as your account management team. We take a hands-on, proactive approach, acting as advocates rather than administrators.

Should an incident need to involve legal representation, we recognise the importance of having specialists representing you who understand the medical malpractice sector and importantly the pharmacy sector. This is why we use solicitors with dedicated health and clinical malpractice teams who have in-house pharmacy specific experience.

Frequently asked questions

​​​You are required to have in place a policy to protect you against claims by patients who have suffered loss or damage due to your medical negligence. Usually this is known as professional indemnity or medical malpractice insurance and will often have public liability insurance with it to protect you against non-medical negligence claims, and these are typically trips and slips by patients and customers on the premises.

In addition to taking care of your patients, we know that you are also running and building a business. This has other requirements, some legal, and some that just make good business sense. The covers that you are legally required to have are employers’ liability and third party road risk if your business uses a vehicle.

Aside from this, protecting the assets of your business is key if something unexpected happens. We can provide a policy that, amongst other things, will cover stock, contents, refrigerated vaccines, and business interruption.

​​​Indemnity insurance is available through ourselves from £495 plus insurance premium tax and administration fee.


Photo of Ian  Smith


Ian Smith

Divisional Director of Primary Care
Photo of Ian  Smith

Ian Smith

Divisional Director of Primary Care

Ian has over 20 years’ experience in the commercial and personal insurance sector, working with clients ranging from micro enterprises through to multi-nationals. He has spent the last 10 years developing professional indemnity and commercial shop insurance for the UK community pharmacy sector. He has a deep understanding of the needs of community pharmacy, the evolving role of pharmacists and the need to continually provide suitable and tailored insurance solutions.

[email protected]