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 currently presenting itself as a specialty carrier for healthcare and related risks, with distribution-partner focus on Pharmacy, Dental, Veterinary, Healthcare Services, Life Sciences, and Senior Living. The official producer-facing distribution partners page says it prefers partners that specialize in the same healthcare verticals it serves and provides a dedicated underwriter, Regional Sales Director, and claims examiner. Commercial product suite shown for partners includes commercial property/general liability via BOP plus cyber, EPLI, EBLI, sexual misconduct/physical abuse coverage, Workers Compensation, Commercial Auto, and Commercial Umbrella. For the requested lines, Workers Compensation is positioned as statutory coverage with Employers Liability and risk-management support; notable operational guidance includes annual audit requirements, optional SIMPLEPAY pay-as-you-go billing, and detailed audit documentation expectations such as payroll records, 941s, 1099s/job descriptions, certificates of insurance for subcontractors or leased workers, and work-location details. Commercial Umbrella is offered as excess over underlying liability coverages with limits starting at $1 million and higher limits available; it may sit over commercial liability, EBLI, liquor liability, professional liability, auto liability, and employers liability, but it specifically states no excess over dental professional liability. Geographic guidance published publicly is limited: product availability varies by jurisdiction, issuance is subject to underwriting approval, and coverages may not be available in all states/territories. No public class-by-class decline list was clearly verified on an accessible official appetite page, but the carrier’s published appetite is clearly concentrated on healthcare/professional service niches rather than broad non-healthcare generalist business. Submission/broker notes: public pages direct business to local field agents / Find an Agent, highlight the Agent Portal, and invite prospective distribution partners to complete the partnership form; operationally, brokers should expect healthcare-specialty underwriting, clear appetite screening, and documentation-heavy WC servicing/audit compliance.