Frequently Asked Questions
What does pharmaceutical wholesalers insurance usually cover?
It can include warehouse premises, contents, pharmaceutical stock, racking, refrigeration equipment, public liability, employers' liability, product liability, goods in transit and business interruption cover depending on the operation.
Can temperature-sensitive pharmaceutical stock be covered?
Temperature-sensitive stock can often be reviewed, but insurers usually need values, storage temperatures, monitoring procedures, maintenance details, alarm arrangements and claims history.
Do pharmaceutical wholesalers need product liability insurance?
Usually yes, especially where products are imported, own-branded, repacked, relabelled, supplied with instructions or distributed into pharmacy, healthcare, retail or ecommerce channels.
Is this the same as pharmacy shop insurance?
No. This page is for wholesale and distribution businesses. Retail pharmacies, clinical services and dispensing activity should be reviewed separately.
Can medicines and healthcare products be covered in transit?
Goods in transit can usually be reviewed for pharmaceutical and healthcare stock moved by own vehicles, couriers, specialist carriers, pallet networks or customer collection arrangements.
What information helps insurers quote?
Insurers usually need stock values, product types, regulatory details, temperature controls, security, delivery methods, traceability procedures, customer sectors, turnover and claims history.