The topic of the post
- What is the professional RC for pharmacists used for?
- Which pharmacists must be insured for professional indemnity?
- How much does pharmacist CPR insurance cost?
- The partnership with Farmaiuto
- Other items that may interest you
The profession of Pharmacist falls into the category of “intellectual professions” with a professional order and Law 24/2017, therefore, reiterates the obligation to have insurance coverage of this type.
Pharmacists’ Professional Civil Liability (abbreviated RCP) is the coverage that protects against possible claims from customers by virtue of an error or omission that could cause damage.
What is the professional RC for pharmacists used for?
The profession of Pharmacist falls into the category of “intellectual professions”, therefore the professional pharmacist assumes an obligation of “means” towards the customer when he provides his service.
Professional indemnity insurance for Pharmacists covers damages that may be caused to customers while carrying out the activity of Pharmacists.
The customer, damaged, could request compensation for the damage suffered from the Pharmacist, who would be required to compensate with his own personal assets.
In the hustle and bustle of everyday life, we rarely pause to think about the pitfalls that could seriously compromise what we have built with so much effort and sacrifice, such as our personal heritage.
Often the thought that occurs is also that of “but imagine if it will happen to me” as if the unexpected happens only to others.
Instead, there are cases where a little distraction is enough to cause very serious consequences to happen.
In addition to being a legal obligation for professionals registered with the order, the professional pharmacist RC serves to hold you harmless from the compensation that you would be required to pay if held civilly responsible.
It is therefore a fundamental insurance tool to avoid the risks you may incur (reimbursements, lawsuits, etc.).
pharmacists
Which pharmacists must be insured for professional indemnity?
The answer is without a doubt: everyone.
For pharmacists employed by public or private structures, the obligation to insure is borne by the employer. For other professionals, who are framed with another employment contract or who work as a freelancer, they must personally take care of taking out a policy in their own name.
A small clarification must be made to this statement.
The law provides that public and private health and social health structures are obliged to bear the insurance for contractual liability for damage caused by personnel, operating in any capacity at the structures. However, the law also provides that for each health professional, operating in any capacity in public or private facilities, there is an obligation to take out an adequate insurance premium policy for gross negligence in order to ensure the effectiveness of the recourse action. towards the healthcare professional towards the insured.
Therefore, while pharmacies are required to provide insurance coverage for slight negligence, the dependent pharmacist will have to take out an insurance policy for damages caused by gross negligence, without prejudice to the right of the pharmacy to provide direction for this coverage as well.
For freelancers, the insurance policy that must be taken out on their initiative covers both gross negligence and slight negligence, being a global coverage that covers the activity carried out with one’s own VAT number.
How much does pharmacist CPR insurance cost?
Professional pharmacist insurance has low costs that can vary between € 110 and € 150 per year. The difference in costs depends on the ceiling chosen by the insured.
It is therefore a small expense, in relation to turnover, which allows you to protect yourself and secure the insured person, his family, and his future.
The partnership with Farmaiuto
Axieme has signed a partnership with Farmaiuto, the digital community of pharmacists, to provide an affordable insurance solution that meets this legal obligation as well as personal protection.
The innovative Social Insurance model proposed by Axieme is particularly suitable for communities and is the reason why it was chosen by Farmaiuto as a partner to ensure its users.
