Pharmacy Insurance

Specialist pharmacy cover

0330 123 5297

Weekdays 8.30am - 5.30pm

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About Pharmacy Insurance


Seasonal changes

We can look to offer an allowance for seasonal increase of stock


Pharmacy revenue protection

Revenue protection available for pharmacies


Contents cover

Call, chat or visit any one of our 100 local offices


Peace of mind

We offer our best terms to give you peace of mind that you have the right cover for you

Features of Pharmacy Insurance

Standard cover

Protection for your pharmacy assets

Our pharmacy insurance policy includes building and contents cover for your shops, warehouses, fixtures, fittings and stock. We understand that during those winter months, it’s likely that supplies will increase as the demand for cold and flu remedies rise, which is why we can allow for up to a 50% increase in your seasonal stock for any three-month period in the year.

Money and assault protection

With Towergate you can receive protection for loss of money from your premises during business hours. It’s also a possibility that your stock will be moving in transit, so we also offer up to the same amount of protection if ever you are in transit. This also applies in the unfortunate event of assault happening to a member of staff whilst they are in possession of monies belonging to your business. For specific policy limits, please speak to your Towergate advisor.

Protection against employee dishonesty

If any of your pharmacy employees prove to be dishonest whilst working for you, our policy provides peace of mind. We offer cover against losses caused directly by theft or fraud committed by your employees, to help you get back on your feet. For specific policy limits, please speak to your Towergate advisor.

Liability cover for your pharmacy

We can provide both employers' liability for your pharmacy's legal costs and expenses in defending prosecutions. We also offer global cover for UK employees that are working abroad. Our public and products liability protects you against legal liability including third-party injury and damage to your pharmacy's property.

Pharmacy Insurance FAQs


What is 'standard equipment' and what happens if we bring in new equipment for new treatments?


As you bring in significant new equipment you just need to contact one of our advisers so we can adjust the 'sums insured' on your policy.


What does a 'specialist insurer' offer?


As specialists within the medical sector, we understand the uniqueness of our clients and the risks that they face. Our policies are designed with medical professionals in mind ensuring that we are able to cater for the levels of protection needed.

Our team of insurance professionals are dedicated solely to working within the medical sector so you can feel confident that you have the knowledge and expertise to support you on all thinks insurance and risk related.


My pharmacy is predominately glass fronted, is this an issue?


Not at all. Let your adviser know and they can make sure it's covered in your policy at no additional cost.


Can I pay in instalments?


If you would prefer to spread the cost of your policy you have the option of setting up a direct debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To understand more about how PCL work together with Towergate, please read our regulatory information.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 0330 123 5921 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim