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Professional indemnity insurance provides protection to businesses and consultants who provide advice to other businesses, for example architects, journalists, IT consultants, financial advisors and engineers.
What is pharmacist indemnity insurance?
Pharmacist indemnity insurance is a form of professional indemnity Insurance that covers you if you are negligent or make a mistake which causes a clients business or person to suffer damage or loss.
Some of the areas which can lead to legal proceedings are:
- Negligence: or breach of duty of care
- Dishonesty: liability arising from the theft of your clients money
- Loss of data: damaged, stolen or lost data/documents belonging to your clients
Pharmacist Professional indemnity insurance comparison
Before you can begin practicing, it is necessary for you to have a professional indemnity arrangement in place as a condition of your registration.
This can include an insurance policy, an indemnity arrangement obtained through a professional body or your employer.
We unfortunately live in a world where blame and claim culture is alive and well. In such an environment your businesses may be at risk of being sued for services that they are employed to do. If you are a business who gives advice to clients, it may be a good idea to have financial support and flexible policies which are tailor-made for your specific profession.
Quotezone could help you find professional indemnity insurance with less hassle by getting our panel of UK insurance providers to contact you to discuss their best available policies. Over 3 million users have used Quotezone to get insurance quotes, so join them and see if you could save on your Professional Indemnity Insurance.
Professional indemnity insurance guide
If a person provides any form of service or advice to clients, they should seriously consider buying professional indemnity insurance. This essentially covers you if you are found liable for negligence, poor advice or your services can be directly linked to damage or harm to a client. Such mistakes can be costly depending on the damages and the nature of the claims brought against you. As a pharmacist such cover can prove crucial either for your practice or as an employee.
Why is it so important?
If someone makes a mistake and provides a client with wrong information or the wrong medication, or fails to research the service they are providing in the proper manner, a client could decide to make a claim. As a result having a good indemnity insurance policy can offer the protection needed against these possible costs if things go wrong.
How common are claims of this nature?
Thankfully, claims are relatively uncommon. However depending on the nature and consequences of negligence and the resulting claim or claims, you may find yourself or business in a severe situation. Someone may potentially lose their business, their livelihood and their home through footing the bill for such a case. This is particularly true in regard to pharmacists where handling medications and giving health advice can all leave open chances of error and subsequent claims.