Pharmacists Mutual Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Pharmacists Mutual Insurance Group is a U.S. specialty healthcare insurer distributing through dedicated underwriting and distribution-partner support. Current producer-facing guidance indicates a clear target appetite for healthcare and caregiving verticals, specifically pharmacy, dental, veterinary, home health, home medical equipment, personal care providers, life sciences, and senior living. For commercial placements, the carrier markets package/businessowners-type coverage with optional workers compensation, commercial auto, and commercial umbrella, plus cyber, EPLI, EBLI, and abuse/molestation-related options. Commercial Umbrella is positioned as excess over underlying liability programs, with limits starting at $1 million and higher limits available; it may apply over commercial liability, employee benefits liability, liquor liability, professional liability, auto liability, and employers liability, but the public product page specifically states it does not provide excess coverage for dental professional liability. Workers Compensation is written to meet state statutory requirements and includes Employers Liability. Operationally, the WC materials emphasize payroll accuracy, annual premium audits, and documentation of off-payroll labor: insureds should expect to provide payroll records and, where applicable, 1099s, certificates of insurance, financial statements, and other records for subcontractors/independent contractors. The carrier expressly notes that uninsured subcontractors may be treated as employees for audit/exposure purposes depending on state rules and employer-employee analysis; a general liability certificate does not substitute for workers compensation proof. Geographic notes: the company states it serves customers in all 50 states and the District of Columbia, but also notes that all coverages may not be available in all states and territories, and product availability is state-dependent. Submission/producer notes: the main producer/distribution-partner page is relationship-focused rather than a detailed class-by-class appetite guide; brokers that specialize in the same healthcare verticals are invited to complete the partner form, and appointed sellers are supported by a dedicated underwriter, Regional Sales Director, and claims examiner. Additional broker servicing infrastructure is visible through the Agent Portal link. Notable insured support that may help placement includes risk management resources, certificate-management tools, OSHA/claim tracking support, and a pay-as-you-go WC option branded SIMPLEPAY. No comprehensive public decline list or hard class prohibitions for WC/umbrella were located on the official site beyond the dental professional liability umbrella exclusion and the general statement that coverage is subject to underwriting approval and state availability.