All-Risk Store Insurance Package

Pharmaguard All-Risk Store Package (Property, Liability, Crime, Business Interruption). As a business owner you have many things to worry about. Most Pharmacy owners only discover the quality of their store insurance in the event of a claim and are sometimes very disappointed. Let us help guide you though the process now before a loss. The Pharmaguard store package protects your buildings, contents, business interruption as well as the liability of your operations. With well over 30 years of experience insuring independent pharmacies we have custom designed the package to protect your most valuable assets. Here are some of the program highlights; 


  • All-Risk Coverage Including Sewer Back-up, Flood & Earthquake,
  • Replacement Cost on Buildings, Contents and Leaseholds based on stated limits ( No-Coinsurance )
  • Automatic 10% Increase to Contents ( No Charge )
  • Peak Season Endorsement on Stock
  • Building By-Laws Protection Built-in
  • Includes Exterior Glass & Signs
  • Valuable Papers, Accounts Receivable, Auditors Fees, Debris Removal, Consequential Loss
  • Transit Stock, Personal Property of Officers & Employees

Money & Securities (Cash, Stamps, Tokens, Lottery, Money Orders)

  • Broad Form Inside & Outside Premises
  • Employee Dishonesty
  • Depositors Forgery
  • Money Orders & Counterfeit Paper Currency

Business Interruption

  • Actual Loss Sustained Profits Form
  • Extra Expense 

Commercial General Liability

  • Corporate Malpractice to protect legal entity and non professional staff including Incidental Malpractice
  • Bodily Injury & Broad Form Property Damage
  • Voluntary Medical Payments
  • Products & Completed Operations
  • Contingent Employers
  • Personal Injury
  • Non-Owned Automobile
  • Tenants Legal Liability
  • Employee Benefits Errors & Omissions
  • Cyber Liability & Data Breach Response

Optional Coverage’s Available

  • Boiler & Machinery Equipment Break-Down (Comprehensive Form Including Spoilage Coverage)
  • Coverage for Post Offices
  • Coverage for Medical Clinics