Pharmacist, which insurance to choose?

Pharmacist, which insurance to choose?


We'll explain everything you need to know about insurance if you're a pharmacist.

In fact, there are absolutely compulsory insurance policies that you must take out from your first day of activity if you practice in private practice. Others are optional but strongly recommended. What guarantees should you take out? What are your specific needs as a pharmacist? What are the main risks in your business? When do you become responsible as a pharmacist?

In addition, there are many insurers and it is never easy to know where to turn or which cover to choose.

We explain everything to you and give you the list of the best pharmacist insurance.

Summary

    Pharmacist, what are your compulsory insurance?
    What is the price of professional pharmacist insurance?
    Pharmacist professional civil liability insurance
    What are the best pharmacist insurance?

Pharmacist, what are your compulsory insurance?
Professional Liability
Status
Compulsory if you practice as a liberal and optional if you are an employee or a student on an internship
advice
Recommended for everyone to protect themselves in the event of misconduct or professional accidents (which may expose you to criminal charges)
Mutual health
Status
Mandatory if you have employees. Optional if you are self-employed
advice
If you are an employee, the choice of the complementary is made by the company. If you are liberal, you will have to find a TNS mutual fund yourself (you can deduct the contributions from your income)
Car Insurance
Status
Mandatory if you use a vehicle while performing your duties
advice
If your vehicle is already insured in person, do not forget to include professional use in your contract (this is often possible)
Multi-risk pharmacies
Status
Optional
advice
Covers pharmacy, stocks, material and equipment
Business interruption guarantee
Status
Optional
advice
Check the amount of turnover covered
What is the price of professional pharmacist insurance?

Professional Liability
Average annual price (€)
59 € / year
Pricing criteria
Turnover, claims, years of experience
Advice
The price can double if you take the PJ guarantee (which we recommend)
Company mutual
Average annual price (€)
€ 26 / month for an employee and € 35 for a TNS
Pricing criteria
According to the chosen guarantee levels
Advice
In addition to the price, pay attention to the annual reimbursement ceiling (advice: € 1,000 minimum ceiling)
Car Insurance
Average annual price (€)
45 € / month
Pricing criteria
Driver's age, vehicle model, background
Advice
Choose the "All risks" formula, although a little more expensive than the "Third Party" formula, guarantees compensation for all types of claims (weather, accident, vandalism, etc.)
Multi-risk insurance pro
Average annual price (€)
40 € / month
Pricing criteria
Surface area, geographical area, turnover
Advice
To save money, some contracts also include RC PRO
Foresight
Average annual price (€)
26 € / month
Pricing criteria
Age, selected guarantees, place of work
Advice
Give preference to "Daily Indemnities" insurance: your salary will be maintained in the event of accident or illness
Our pharmacist insurance comparators
COMPARE 12 CONTRACTS
RC PRO INSURANCE
COMPARE 34 CONTRACTS
OF TNS MUTUAL
COMPARE 7 CONTRACTS
MULTI-RISK INSURANCE
Pharmacist professional civil liability insurance

The pharmacist's RCP protects you in the event of damage caused to a third party during your professional activity. This concerns both personal injury and accidents at your workplace. The profession of pharmacist is a regulated profession, so it has a legal obligation to be insured in CPR.

If you are an employee, you have no legal obligation to take out personal RCP since you are covered by that of your employer. It is still recommended, especially if you practice outside of the establishment in which you work.

However, this insurance is compulsory if you are a liberal pharmacist.
What are the guarantees of the RC Pro pharmacist insurance?
Professional Civil Liability (RCP)
Main risks
Error in dispensing medication, customer fall in the pharmacy
Probability
Important
Comments
Guarantee essential, covers any type of error (preparation, sale without a prescription)
Guarantee of recourse and criminal defense
Main risks
A customer turns against you following negligence, error ...
Probability
Important
Comments
Very useful if the event is excluded from the liability guarantee. Attention, exclusion of professional acts prohibited by law or not authorized for the insured
Protec