Your clients count on you for expert advice and professional services. But no matter how well-trained or careful you or your employees are, mistakes can and do happen—sometimes resulting in a lawsuit.
Professional liability insurance can provide the protection you need in these situations. Unlike general liability, which covers mainly bodily injury or property damage, professional liability can protect you and your business against damages that may arise from claims alleging:
Safeguard your financial future with the only Professional Liability coverage sponsored by the California Pharmacists Association.
The bottom line: Whether justified or not, a malpractice suit could cost you thousands or ruin the career you've worked so hard to build. Your best defense? Coverage up to $1 million per incident, $3 million annual aggregate, with the Mercer-sponsored Professional Liability Insurance Plan, underwritten by Liberty Insurance Underwriters, Inc., a member company of Liberty Mutual Group. Higher limits are available, subject to proof of contractual requirements.
Having your own policy could mean you’re covered for pharmacy services you perform even outside of your employment. Plus, this program uses an “occurrence form” that covers any designated professional service you perform while the Insurance Policy is in force. So, your coverage is active even if a suit or claim is made years later.
As a pharmacist, you’ve devoted years to study and training. Your skills and experience are constantly being tested…with stressful conditions, and difficult patients or clients. How you respond can determine your professional reputation and your future.
Under such circumstances, it’s too easy for something to go wrong. A malpractice suit or a charge of negligence—justified or not—could mean the end of your career. That’s why we strongly urge that you have the proper Professional Liability protection.
Protection You Can Count On, Now and in the Future
As a pharmacist, this policy protects you in the event of an error or omission in the practice of pharmacy for all procedures approved by the California Board of Pharmacy as long as you have received the proper training and/or certification required and you are acting within the scope of practice.
Employer-Provided Coverage is Limited
You can’t rely solely on the liability protection provided by your employer. Without your own personal liability protection, you could end up paying all attorney fees, court costs and loss of wages out of your own pocket because…
This protection is yours alone—it is not shared among your coworkers or with your employer. A qualified consent-to-settle clause enables you to make the final decision in settling your claims.
And, it protects you if someone you supervise, and for whom you are legally liable, is named in a suit.
Your coverage includes:
If you are a group practice, your coverage will also include:
About this program
This website contains a summary of the Insurance Policy provisions. If there is a conflict between this website and the actual Insurance Policy, the Insurance Policy language will control.
Liberty Insurance Underwriters Inc., a Member company of Liberty Mutual Group
55 Water Street, New York, New York 10041
May not be available in all states.
Pending underwriter approval.
All coverages are subject to the terms and conditions of the policy.