What is the Ocaso Retail Plus Pharmacies insurance?

The Ocaso Retails Plus Pharmacies insurance is a commercial insurance that provides specialised coverage for pharmacies and parafarmacies. This insurance protects the pharmacists against certain risks to which they are exposed in their everyday activity, such as having to pay the social security prescriptions that disappear or are destroyed.

What are its guarantees?

The main guarantees of this insurance include damage caused by fire, smoke, rain, collision of vehicles, sound waves, acts of vandalism, damage caused during the course of legal strikes and aesthetic repairs.

On the other hand, it includes specific guarantees with which the insured pharmacies will not have to worry about having to repay the amount of the prescriptions which have disappeared or been destroyed.

What are the main advantages?

Specific guarantees

This insurance includes specific guarantees designed for this type of business, hence it is more effective than a standard commercial insurance cover.

Optional guarantees

Ocaso Comercio Plus Farmacias also offers the possibility of insuring material damage caused by broken windows or mirrors, damage caused by water, burglary and robbery, civil liability, and loss of income. And other types of risks such as electrical damage, to computers, deterioration of goods in cold chambers, or breakdown of machinery.

Guarantees

Standard Cover

Material damage insured
Material damage insured
Fire, explosion and lightning Smoke Damage Vehicle and aircraft impact Sonic waves Acts of vandalism, legal strikes and civil commotion Damage by rain, wind, hail, snow and flooding Leakage from automatic fire extinguishing equipment Cosmetic repair
Insured expenses
Insured expenses
Salvage, demolition and rubble clearance Compulsory evacuation Loss of rental income Replacement of files and documents
Legal Assistance
Legal Assistance
Telephone assistance Defence and legal bail bonds Defence of your rights relative to the business premises Defence in respect of administrative breaches Defence of Insured’s interest with regard to social security regulations Defence of Insured’s interest with regard to work inspection Defence of Insured’s interest with regard to contracts of employment Claims for non-fulfilment of contracts for services Claims for non-fulfilment of contracts for products Claims for bodily injury Debt Recovery Cover
Other insured risks
Other insured risks
24 hours assistance Replacement cost as new Automatic revaluation and indexing of sums insured Automatic cover up to 10%

Specific Cover

Specific
Specific
Resetting the amount of prescriptions disappearance or destruction

Optional Cover

Material damage insured
Material damage insured
Breakage of panes, mirrors, glass and signs Water damage including tracingss and repairing the breakage Theft and robbery Public liability, legal costs, deposits and bail Claims for damages Loss of profits: daily indemnity
Other insured risks
Other insured risks
Electrical damage Damage to computers and electronic equipment Deterioration of merchandise in refrigerated rooms Transport of merchandise Cosmetic repair