Insurance for Pharmacies

Orchid can provide coverage on Pharmacies to protect your insured in the event of a loss. Since many medications need to be refrigerated, we can offer spoilage sublimits which will protect your insured if they were to suffer a spoilage loss due to breakdown, contamination, or a power outage. If your insured owns the building they operate out of, we can cover the building itself, including wind, with no restriction on distance to coast. We can also cover your insured’s business personal property and loss of business income, as well as many other additional coverages!


Product Highlights

  • Monoline Property Policy types available
  • Up to $10 million per building, $15 million per location and $25 million per policy coverage
  • Up to $1 million/ $2 million in General Liability Limits
  • Includes the Orchid Premier Endorsement to enhance certain coverages such as Outdoor Property, Employment Dishonesty, Water Backup, Outdoor Sign, Debris Removal, etc.
  • 1950 and newer year built and 1900 in some areas on all construction types
  • Proprietary programs can only be accessed through Orchid
  • A.M. Best A Rated Carrier
  • Please visit our Quick Reference Guide for more details

Unique Features

  • Include Wind coverage without any restriction on distance to coast
  • Online submission process to increase quick turn-around times

Optional/ Additional Coverages

  • Equipment Breakdown
  • Ordinance or Law
  • Outdoor Property
  • Water Backup
  • Spoilage
  • Employee Dishonesty
  • Wind Driven Rain

Orchid can offer special coverages on your insured’s pharmacy to ensure complete coverage for your insured in the event of a loss.

Get Appointed

As an Orchid-appointed partner, your agency’s success is our priority. You can rely on our dedicated support and expertise to offer your clients best-in-class service.

Start Quoting

Orchid online quoting is your quickest and most convenient resource for paperless quoting and binding.