Choosing a career as a pharmacist or a pharmaceutical technician is one that can be profitable and rewarding. Knowing that you are helping those that are in need will help you continue to feel fulfilled in your career choice. However there are some steps that you need to take in order to protect yourself from a certain amount of liability. Liability insurance for pharmacists isn’t for pharmacists only. Pharmacy interns, pharmacy extern, or pharmacy students, should also obtain professional liability insurance.

Becoming a pharmacist or even a pharmaceutical technician will often give people the feeling that you are an expert in the field of medication and drug interaction. They once only had to understand a physician’s handwriting or verbal orders, but now a pharmacist must prevent a patient from taking a medication they are allergic to or a prescription that would interfere with other drugs they are taking as well as patient consultation. While we know that pharmacists and pharmaceutical technicians to have extensive knowledge of drug facts and interactions with other medications, they are far from knowing everything that can possibly be known about every prescription or non prescription medication. When working for a larger chain of pharmacies, you will probably have a certain amount of liability coverage but because you are working in a practice related field, and working with the public at large, protecting yourself with more is always a good idea.

So why do those in the field of pharmaceuticals need more professional liability protection than what is often offered at the pharmacy that they are working for? Law makers have determined that whoever has the most understanding and knowledge must assume liability and responsibility, this is called the “learned intermediary doctrine”. A Pharmacist not only has to be able to prevent dangerous drug interactions, they can also be held liable for giving the wrong advice when it comes to over the counter medication. Professional liability insurance is one of the best and least expensive ways to protect yourself. There are many insurance companies that specialize in this type of insurance coverage. Finding one that you are comfortable and confidant in will help boost your confidence in your profession as well give you the security that someone will be looking out for your best interest in the event of a law suit.

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