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Pharmacists Mutual

Pharmacists Mutual Insurance Company was founded in 1909 by pharmacist Al Falkenhainer to serve the pharmacy profession. Today, his vision of providing the best in service still guides our mission and values, and commitment to our members. Pharmacists Mutual is a nationally recognized leader in insurance and risk management solutions for the healthcare industry. Nearly 300 professionals are employed through our operations across 50 states, the District of Columbia, and Puerto Rico.

Business Insurance
Pharmacists Mutual has over 110 years' experience insuring the businesses of pharmacists. An industry leader in insurance for pharmacy, home medical equipment, and card and gift stores, Pharmacists Mutual offers a full line of business and professional insurance coverage.

Personal Insurance
Pharmacists Mutual is a leading provider of individual professional liability. We also provide competitive, comprehensive coverage for personal autos, home, personal property, personal liability, and life and disability insurance. Save by bundling multiple policies together to take advantage of discounts.

Life & Disability Insurance 
Life insurance can provide for your loved ones and ensure they’re financially comfortable in your absence. Pharmacists Mutual offers a full range of products to meet your business and personal needs including; whole, term, and universal life insurance. Protect your income and financial security with Disability Insurance provided by Pharmacists Mutual.

Pharmacy Student Coverage
Our pharmacy student professional liability policy is tailored specifically for you to safeguard the investment you made in your education. With 24/7/365 coverage, you can focus on school and not on potential mistakes. Discounted rates are available to cover your professional liability exposure while in school and for the first year of practice after you graduate.

Other Services – Risk Management
We’ve learned a lot about the kinds of risks pharmacy professionals face, and what it takes to keep losses under control. Our approach to managing loss is simple. We help our members avoid claims, and if claims do occur, help to keep them from becoming catastrophes. The art of managing risk requires a blend of professional expertise that Pharmacists Mutual brings to the table. Working in a highly collaborative environment, our staff of risk management professionals, pharmacists, pharmacy technicians, and attorneys, bring skill sets and experience needed to keep exposures in check. Visit for risk management resources or contact us at

*AM Best Financial strength rating is an independent opinion.
**Life and Disability insurance products are written through PMC Advantage Insurance Services, Inc. a wholly-owned subsidiary of Pharmacists Mutual Insurance Company.

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Insurance (Malpractice & Business)