Greek pharmacies are a space with two dimensions. They are businesses that function as retail stores, but also as spaces for care and medical assistance provided by the scientist pharmacist.
These two dimensions are carefully examined during the insurance process.

As retail stores, they maintain merchandise (medicines, parapharmaceuticals, cosmetics, etc.), as well as equipment within their premises. The insurance of merchandise is a prerequisite for the operation of a pharmacy, ensuring that in the event of damage, the business can replace its stock and continue its operations. Proper insurance, based on the actual value of the merchandise, will lead to satisfactory compensation in the event of a loss. In the case of underinsurance, as is logical, the insured is not compensated for the full extent of the loss. The prescriptions that the pharmacist has in their possession, and their subsequent reimbursement, are handled in a specific and distinct manner by insurance companies.

Additionally, supplementary but essential coverages include, for example, the business interruption allowance until damages are restored, the allowance for inability to operate the business due to damage in the wider area or at the pharmacist’s residence, as well as the employee replacement allowance due to an accident.

The Pharmacist Holds Responsibility! They must be protected from claims that may arise due to errors or omissions during the practice of their profession. We are referring to professional liability which, due to the nature of the profession, is deemed essential. Employer’s liability toward employees and associates for accidents that may occur during their work, as well as third-party civil liability for the compensation of customers or visitors from accidents on the premises, complete the umbrella of protection for the professional pharmacist.