Pharmacists (CPhA)

Coverage Details

• Limits — up to $1/3M

  The main feature of the policy that covers you up to the limits on your declarations page that you become legally obligated to pay as a result of a professional liability claim arising out of a covered incident. Limits vary by profession up to $1 million per occurrence/$3 million aggregate. When you complete a quote, the available limits based on your profession and state will be provided.

• Legal Representation — Legal fees paid in addition to the liability limits

  The policy includes legal representation for covered incidents. This means you have an attorney assigned to you to represent your interests – not the interests of others such as your employer. The legal fees and expenses are in addition to your professional liability policy limits, which is a key benefit to you as this means legal fees and expenses do not erode your liability limits.

• HIPAA Coverage — $25,000

  Pays up to $25,000 for HIPAA fines, penalties and notification costs.

• Licensing Board Reimbursement — $10,000 per incident/$25,000 per policy period

  Covers up to $10,000 per incident/$25,000 per policy period for attorney fees or other expenses or fees from an investigation or proceedings from an entity responsible for regulating your profession. In most regulated professions, anyone can file a complaint against you such as your patient, patient’s family, your employer or coworker. If you’re employed, your employer may not reimburse you for investigations or proceedings.

• Deposition Expense — $10,000 per policy period

  Covers up to $10,000 aggregate for all reasonable fees, costs and expenses to represent you at a deposition which you are required to attend.

• Wage Loss and Expense — $500 per day/$10,000 per incident/$25,000 policy period

  Covers for lost wages, costs and expenses for your required attendance at a trial, hearing or arbitration proceeding as a defendant in a covered claim. 

• First Aid Reimbursement — $10,000 per policy period

  Covers up to $10,000 per policy for all medical related expenses for rendering first aid to others due to bodily injury.

• Medical Payments — $5,000 per person/$100,000 all persons

  Covers up to $5,000 per person, up to $100,000 all persons for medical expenses incurred by others due to a bodily injury caused by an occurrence during the policy period.  

• Damage to Property of Others — $10,000

  Covers up to $10,000 for damage to property of others caused by you during the policy period. 

• First Party Assault Coverage — $10,000/$25,000 policy period

  Covers up to $10,000 per incident and $25,000 per policy period for medical expenses or repair or replacement of personal property due to an assault at your workplace premises.

• Occurrence Policy Form

  Covers incidents that happen during your policy period regardless of when the claims are reported. All of the allied health and nursing policies through Liberty Insurance Underwriters are on occurrence policy forms.

• Sexual Abuse/Molestation Coverage - $25,000 sub-limit

  Provides up to $25,000 for indemnity.

• Portable Coverage — Follows You 24/7

  When you apply for individual coverage, the policy covers you for your professional services, including on and off the job, moonlighting and volunteering. 

• Optional Coverage Features

  • Consulting and Educational Services Endorsement
  • General Liability Insurance
  • Additional Insured Endorsement