Frequently Asked Questions

Why is insurance such an important part of what is being offered? The Insurance that has been arranged by The Pharmacy Insurance Agency on behalf of PDA members is essential to the service provided by the PDA. It provides huge financial capacity to enable the PDA to defend your reputation which goes way beyond any […]

Why is insurance such an important part of what is being offered?

The Insurance that has been arranged by The Pharmacy Insurance Agency on behalf of PDA members is essential to the service provided by the PDA. It provides huge financial capacity to enable the PDA to defend your reputation which goes way beyond any membership premiums paid. The Legal Defence Costs insurance can provide up to £500,000 worth of legal representation per member per incident and the Professional Indemnity insurance can provide up to £10 million worth of protection to help defend and ultimately settle any claims for compensation per member per incident.

Why should I need my own Professional Indemnity cover if I am an employee or a locum working in an NPA member’s pharmacy, or a pharmacy that has its own Professional Indemnity?

Many employee pharmacists and locums working in NPA member pharmacies are led to believe that they do not need their own insurance because they are covered by their employer’s insurer.

This is an over simplification, because if the employer’s association or insurance provider is in control of the situation in the event of a serious problem. This potentially puts the employee and locum pharmacists at a disadvantage should they wish to defend their own reputation.

The NPA clearly articulated this dilemma when it stated;

“Where a conflict arises [between the employer and employee/locum] the Association’s ‘allegiance’ must lie primarily with the member – the owner of the business.”

How do I know if I have the right Insurance cover for my role?

It is important that you get the right level of cover for the work you are undertaking. Each of the roles for pharmacists are described on the joining pages and you should select the role that is most appropriate to your activity. The different roles carry different risks and therefore attract higher or lower premiums. It is vital that if you change your role during the year then you should speak to The Pharmacy Insurance Agency on 0121 236 0031 to check that you have the cover that is most appropriate to your current role.

What is the difference between The PDA and The Pharmacy Insurance Agency (PIA) ?

The PDA is a not-for-profit defence association whose benefits are provided to members by dint of their membership fees. The PIA is an insurance intermediary which is regulated by the Financial Conduct Authority and it arranges and administers the specialist insurance schemes for  PDA members. The Pharmacists’ Defence Association is an appointed representative in respect of insurance mediation activities only of The Pharmacy Insurance Agency. 

The Pharmacists' Defence Association is a company limited by guarantee. Registered in England; Company No 4746656.

The Pharmacists' Defence Association is an appointed representative in respect of insurance mediation activities only of
The Pharmacy Insurance Agency Limited which is registered in England and Wales under company number 2591975
and is authorised and regulated by the Financial Conduct Authority (Register No 307063)

The PDA Union is recognised by the Certification Officer as an independent trade union.

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