PDL’s Non-Proprietor Pharmacist Liabilities Insurance Master Policy
PDL’s Non-Proprietor Pharmacist Liabilities Insurance Master Policy (PDL Master Policy) is underwritten by Guild Insurance Limited. All active members of PDL are afforded cover under this policy subject to the policy’s terms and conditions and any individual conditions that the underwriter places on an individual member’s cover.
The cover provided by the PDL Master Policy is on a claims made basis meaning that you will be covered for claims first made against you during the period of cover regardless of when the incident that gave rise to the claim occurred, subject to the retroactive date and excluding known circumstances – please refer to the policy wording for full details.
|Professional indemnity||Public Liability||Products Liability|
|Cover||Civil Liability in respect of any claim as a result of a breach of professional duty in the provision of Professional Services including: Your actual or alleged unintentional:a. defamation, libel or slander; b. unlawful discrimination; c. breach of Australian Consumer Law d. infringement of any copyright, trademark, registered design or patent; e. breach of any duty of confidentiality f. breach of any privacy legislation||Civil Liability in respect of any claim for Bodily Injury of Property Damage||Civil Liability in respect of any claim for Bodily Injury of Property Damage|
|Limit of Liability||$20,000,000||$20,000,000||$20,000,000|
|Inquires & Proceedings||$500,000||N/A||N/A|
|Molestation Defence Costs||$500,000||N/A||N/A|
|Vaccine Efficacy Legal Fees||$250,000||N/A||N/A|
|Loss of Documents||$250,000||N/A||N/A|
|Public Relations Costs||$50,000||N/A||N/A|
|Court Attendance Costs||$1,000 per day $25,000 for all claims in the aggregate||N/A||N/A|
|Basis of Cover||Claims Made||Claims Made||Claims Made|
|Territorial Limit||Worldwide Excluding USA / Canada||Worldwide Excluding USA / Canada||Worldwide Excluding USA / Canada|
|Court Attendance Costs||✓||N/A||N/A|
|Fraud and Dishonesty||✓||N/A||N/A|
|Good Samaritan Acts||✓||N/A||N/A|
|Inquiries and Proceedings||✓||N/A||N/A|
|Loss of Documents||✓||N/A||N/A|
|Molestation Defence Costs||✓||N/A||N/A|
|Practice Entity||By endorsement||By endorsement||By endorsement|
|Reinstatement of Limit of Liability||✓||✓||X|
|Run-off Cover (for members who retire or permanently cease to practice – not applicable to students)||✓||✓||✓|
|Teaching, Publications, Expert Opinion Reports||✓||Conferences, Training, Teaching||Conferences, Training, Teaching|
|Temporary Leave of Absence subject to policy terms and conditions||✓||✓||✓|
|Vicarious Liability for Students, Consultants, Agents and Contractors||✓||Including Locum Tenens||Including Locum Tenens|
|Volunteer Services < 60 days for approved countries||✓||N/A||N/A|
COVID-19 vaccination program and your PDL Non-Proprietor Pharmacists Liabilities Insurance Master Policy
We understand that as part of the vaccine rollout, many of our members have already been or will soon be told whether they are able to participate in the COVID-19 vaccination program. The roll out of the program has many moving parts, and now is a great time to consider your insurance needs if you will participate in this program.
Confirming your current cover
You can be certain that if you are participating, your PDL Master policy covers you for the administration of the COVID-19 vaccination from the moment you see your first patient. You will need to ensure that you understand and comply with the obligations that are placed on you by government approved protocols and training.
Your premium will not change as a result of your participation in the vaccination program.
Changes to your PDL cover
While your current PDL cover protects you for your participation, from 30 April 2021, there will be some changes made to the PDL Master policy upon renewal:
The PDL Master policy will have a new vaccine cover specifically added. This will clarify the cover you have for the administration of the COVID-19 vaccinations (and other vaccinations also) as long as you take reasonable steps to understand and comply with the obligations that are placed on you by government approved protocols and training.
In Australia the general legal position is that issues regarding the efficacy of a product or whether a product is fit for purpose are the responsibility of the manufacturer. As such, any patient seeking compensation for harm caused by a COVID-19 vaccine should pursue the relevant manufacturer. Consequently, we have clarified that the policy does not cover claims connected with the efficacy of vaccines and therefore reduced the likelihood of you being pursued for compensation that is the responsibility of vaccine manufacturers.
Efficacy defence cost cover
Efficacy Defence Costs cover is a new and unique peace of mind benefit. It is designed to protect you from speculative actions by third parties attempting to wrongly draw you in to a claim that should properly be pursued against the vaccine manufacturers. This is a benefit that is exclusively available to pharmacists from PDL and Guild Insurance, and it will not have an impact on your premium.
While vaccine efficacy cover will be excluded, we are providing this new cover for legal defence costs incurred on your behalf of up to $250,000 to defend you if you are named as a defendant in a claim where the cause of patient harm is deemed to be the vaccine, rather than its preparation or administration by you as a pharmacist.
Thank you for continuing to be at the front line of the nation’s response. We look forward to continuing to protect you while you do it.
For immediate advice and incident support, or if you have any questions about your current, or future coverage, call us on 1300 854 838 to speak with one of our Professional Officers. We are here to support our pharmacist members 24/7, Australia-wide.