- Menu
Pay for the cover you need.
More than 3,000 pharmacies use us to arrange their comprehensive insurance programmes. We know pharmacies.
Numark Insurance Services is a trading name of Jensten Insurance Brokers.
Manage your policy
To speak to an adviser about your existing policy you can call them on
Claims & Notifications
To register a notification, new claim or contact us about an existing claim.
Pharmacy Insurance Solutions
Comprehensive
Insurance solutions tailored to your business and your risks.
Value
Only pay for the cover you need, and not what you don’t need.
Specialists
More than 3,000 Numark pharmacies work with us. We know pharmacies.
Summary of cover
Choose a product to get a quote or learn more
Professional Indemnity Insurance
Protects you against financial loss in the event of a negligent act or omission that causes harm or injury to a patient. Click the following button that best describes your growing business:
Having professional indemnity, otherwise known as medical indemnity, in place as a pharmacist will protect you against financial loss in the event of a negligent act or omission that causes harm or injury to a patient. Professional Indemnity Insurance is usually provided on a ‘claims made’ basis. This means the policy covers claims made against you and reported to the insurer while the policy is active. It does not matter when the actual incident happened, as long as it falls on or after the retroactive cover date specified on your policy.
Benefits of Professional Indemnity
- Limit of £10m aggregate
- Cover for all employees and engages (locums)
- Retroactive cover
- Covid & Flu Vaccinations
- Pharmacy First
- Legal Helpline of trained qualified person
- GPHC Investigation costs and expenses up to £50,000
- Legal Expenses cover £100,000
- FREE Run Off Cover for 36 months
- Claims Manager Advocate with 12+ years experience in pharmacy
- A+ Rated Insurer
- Nil Excess
- All PGD's (excluding weight loss)
Bespoke quotes for Commercial Shop Insurance
Cover for your shop and contents in the event of damage and theft, with Employers Liability included. Click the following button that best describes your business:
Commercial Shop Insurance including Employers’ Liability Insurance, which includes:
- Employers Liability Limit of 10m each and every occurrence
- Business Interruption £1m standard
- Seasonal increase – stock sum insured increased by 25% for the months of September, October, November and December
- Tenants Improvements cover (with the first £7000 included free of charge)
- £5000 refrigerated goods (per location)
- Money on premises up to £4,000 during business hours or in a locked safe
- Crisis containment cover
- A rated Insurer
Flexible Fleet Insurance quotes available for Pharmacies
If your business has two or more vehicles, whether they are cars, vans or both, we can insure them on a fleet policy.
Here are just some of the potential benefits we can offer:
- All vehicles to be insured for “any authorised driver”. Terms and conditions will apply.
- Save money by insuring multiple vehicles on a single policy.
- Save time by having all your vehicles on one policy means you only have one policy to administer.
- Enjoy greater flexibility by adding or removing vehicles and/or drivers as you need to.
- Help should you need to make a claim.
- Breakdown cover is also available.
To get a Fleet quote get in touch with our brokers or give them a call on 01562 822664
If your business has two or more vehicles, whether they are cars, vans or both, we can insure them on a fleet policy.
Management Liability Insurance
Cover for claims made against you or your business’ directors in the event a claims arises following a negligent act.
Management Liability Insurance is typically created using three policy types:
Directors’ & Officers’ Insurance
This cover protects your directors, officers, general managers and LLP partners from claims arising out of alleged wrongful acts, such as breach of duty of care, breach of trust, negligent errors or health and safety failure. Even though the claims may relate to the company they work for, investors, regulators, employees or the public, these claims may result in loss of assets, such as cars and houses if legal fees or fines are due for payment.
Corporate Legal Liability
A company is recognised as a separate entity from its owners and managers. This means that the company can be held accountable for various legal obligations and face claims independently of its stakeholders.
This protection covers various liabilities such as mismanagement, corporate identity crime, health and safety breaches, discrimination, or unfair dismissal.
Employment Practices Liability Insurance
Your employees are becoming more aware of their rights, especially as workplace law evolves. Workplace law strengthens employee rights and expands protections against various forms of discrimination, victimisation, unfair dismissal, or harassment.
Employment Practices Liability helps you manage the risk and protects you, your directors, and the business against financial loss from claims made by your employees for employment practice violations.
Health and Protection for Numark Members
We’ve partnered with our health and protection team, which can arrange a comprehensive suite of employee health and protection products designed to protect, reward, and ensure the well-being of your team.
Available covers
Protection Insurances:
- Key Person Insurance
- Shareholder / Partnership Protection
- Relevant Life
- Income Protection
Health
- Private Medical Insurance (PMI)
- Healthcare Cash Plans
- Dental Insurance
- International PMI
Group Risk
- Group Life Assurance (Death in Service)
- Group Income Protection
- Group Critical Illness
Get Started Today
Elevate your pharmacy’s employee benefits with a bespoke health and protection package that aligns with your values and supports your team’s needs.
Cyber insurance for your pharmacy - COMING SOON!
Whether you’re a large multi-location or small rural/local pharmacy, you are not immune to cyber threats. Given the volume of personally identifiable data you store, you’re either always preparing for a cyber threat by implementing IT Security features or planning to implement features to stop them.
Many people acknowledge that cyber events happen but still refuse to believe that they will happen to them, and their business.
One single point of vulnerability in your pharmacy is all it takes for a cybercriminal to access your network, log in to a device or the tools you use, or trick you or a staff member into sending them money.
Cyber Insurance can help. While we’ll tailor your Cyber Insurance policy to your needs, common protections include:
- Data loss.
- Extortion claims.
- Network damage and rebuild costs
- Business interruption.
- Legal fees.
- Investigations.
- Added value services, including firewall protection, anti-virus software and monitoring software.
Claims Assistance:
We understand how difficult it can be when faced with a the prospect of making a claim or notifying us of a possible claims. Here is some useful information and guides to help you.
Call our in-house claims manager, Gary Cornwall on:
0800 783 5709 (option 3)
Talk to our specialists
Stephanie Hanratty-Kilty
Account Director
Kirsty Anderson
Account Manager
Kyle Sterry
Account Handler
Gary Cornwall
Claims Manager
Get the cover you need.
We know pharmacies.
Numark Insurance Services
What insurance do I need for my pharmacy?
You must have a policy to protect you against claims by patients who have suffered loss or damage due to your medical negligence.
Usually, this is known as Professional Indemnity and it will provide financial protection against claims arising from negligence.
Other insurance policies you should consider as a Numark member are:
- Commercial shop insurance, which provides financial protection for stock and contents. Our commercial shop policy include Employers Liability Insurance to.
- Management Liability Insurance
How do I make a claim on my pharmacy insurance
Your first port of call should be to call Gary Cornwall (Claims Manager) who will advise on your next steps.
We also have handy claims guides available.
What happens if the member leaves Numark?
If the member leaves Numark membership, Numark Insurance Services and Jensten, can still offer cover for non-members.
If the member decides to sell their pharmacy, retire or cancel the policy, Numark members receive 36 months of FREE run-off cover. This means any insurable event, i.e. error(s) that may have occurred, from their retro-active date/start date of the policy until the end of 36 months would be covered.
If the member then wants cover for a longer period of time, we can provide a quote for a longer run-off period, however, we find most claims arise in the first 3 months to a year of dispensing.
Articles and Insights
*Please see the policy for a full range of benefits, limits of cover and terms and conditions. A full policy wording is available upon request. Prices exclude Insurance Premium Tax, and is based on meeting underwriting criteria and level of cover.
Numark Insurance Services is a trading name of Jensten Insurance Brokers Limited. Phoenix Healthcare Distribution Limited is an Introducer Appointed Representative of Jensten Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority. Jensten Insurance Brokers Limited company registration number: 08284692. Registered office: Coversure House, Vantage Park, Washingley Road, Huntingdon, PE29 6SR. Registered in England and Wales.
Numark is a division of PHOENIX Healthcare Distribution Limited, Registered Office Rivington Road, Whitehouse Industrial Estate, Preston Brook, Runcorn, Cheshire, WA7 3DJ