Business-Expense-Disability

Business Expense Disability Insurance

Pharmacy owners, protect your business by ensuring business expenses are covered if you experience a disabling injury or illness.  

What is Business Expense Disability Insurance?

Business expense disability insurance helps cover the business expenses of operating a pharmacy for up to 12 months if illness or injury prevents you from working. This allows your pharmacy operations to continue until you either return to work or decide the future of the business. This plan is a valuable addition to your personal long-term disability insurance. 

Business expense disability insurance from the Ontario Pharmacists Association is a group plan, so you can rest assured that you are getting competitive rates on your premiums.  

When you choose OPA insurance, you are getting a program developed by pharmacists, for pharmacists. Our program is managed and underwritten by reputable insurers, and administered and overseen by the Ontario Pharmacists Association, so you receive personalized service from us. If you have questions about your coverage or if you ever need to make a claim, we’re here to help. 

Highlights of Benefits: 

The business expense disability coverage offered through OPA covers expenses such as: 

  • Electricity, heat, water, phone, and postage
  • Non-pharmacist employees’ salaries and benefits
  • Depreciation of owned business equipment and premises
  • Rent or mortgage interest and property taxes
  • Property and liability insurance premiums
  • Accounting services and membership fees for professional associations
  • Other fixed expenses that are normal and customary in the operation of your business or profession
  • OPA has a licensed insurance representative that works on your behalf, to ensure you receive the best coverage for you and your family
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