We work hard to acquire and maintain a business. Whether it is owned or rented it does not cease to be the main, perhaps even the only, source of our income. It’s important to know that if something happens, we can get things back to the way they were before the event. So understanding how important it is to you, we offer you our Pharmacy or Clinical Lab Package All Risk policy for your business.


The policy covers

This is an excellent insurance policy, specially designed for Pharmacies and Clinical Laboratories needs. It replaces up to 10 separate policies that any business must have for its proper security. Under a comprehensive policy with a total cost of at least three-quarters of the total cost you would have with 10 different policies, you are better insured.

It can cover loss or damage to your property, Accidental Damage to Glass, Third Party Liability, Product Liability, Personal Accidents to you and your staff, your Goods in Transit, Damage to your Goods , Loss of Money, Your Liability as an Employer, Dishonesty of your employees, Theft, Cyber ​​Attacks, etc. It also covers your Professional Liability as required by Law. We strongly recommend Pharmacy and Clinical Lab Package All Risk policy.


The policy is addressed

To business owners or tenants of Pharmacies and Clinical Laboratories.


Basic Coverages

The policy’s basic coverage covers loss or damage against all perils not excluded by the policy

This is an All Risk policy.


Additional Coverages

The following extensions are also offered without additional premium:

Architects & engineers fees and debris removal

Accidental damage to cables or underground services

Rent payable/collectible

Leak detection and repair

Replacement of locks

Meter water loss

It also combines the below insurance coverages without additional premium

Consequential Damage With Extensions – Denial of Access – Fees of Professional Accountants

Money With Extension – Personal Accidents from Assault

Glass panes

Personal accidents

Third Party Liability With Extension – Product Liability

Goods in transit

Deterioration of Goods in cold rooms/refrigerators

Technical Assistance is also offered at no additional premium

With an additional premium comes the option to add even more insurance coverage at a reduced cost and paying premiums for just one policy.

Employer’s responsibility

Employee dishonesty

Short circuit

Cyber ​​attacks

Professional Responsibility

The coverages are detailed below: