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Policy Wording

Which policy applies to me?

The activities that pharmacists are involved in are far ranging and comprehensive. Increasingly, through portfolio careers they are involved in numerous sectors of the profession working in different locations and often are in different levels of speciality and are exposed to varying degrees of risk.
The underwriting for such a programme needs to be appropriate and reflecting the risk correctly. It is important to keep the member premiums appropriate to the respective risk profile and this been done through a reliance on more than one underwriter. In some cases, depending on activity this means that more than one underwriter will be involved in providing the cover.

Members who would like to find out which underwriter is covering their activities should study the front of the insurance certificate which is provided to them upon joining or renewing their membership. The details of the specific underwriter(s) that provide(s) their cover can be found there.

Members who would like to find out which underwriters policy wording covers their membership (or combination of underwriters thereof), should choose their membership type (which can be found at the top of their insurance certificate) in the drop-down box below.

All policies that were taken out prior to 1 June 2023 please select the link below

Policy Explanatory Booklet
AXIS Master Policy Wording Part 1
AXIS Master Policy Wording Part 2

Policy Explanatory Booklet
For the indemnity element of the GP Practice based work
CNA Master Policy
For all the Legal Defence Costs cover and any indemnity exposure in any work outside of the GP surgery
AXIS Master Policy Wording Part 1
AXIS Master Policy Wording Part 2

For all policies incepted between 01 June 2023 and 31 July 2024 please click Here

For all policies incepted on or after 1 August 2024 to 31 December 2024 please click Here

For policies incepted on or after 1 January 2025 please click link below:

Master Policy Wording