Your Pharmacists Mutual Insurance Agent

Michael Karazin

Michael Karazin - Field Representative

Michael Karazin
Southern California
Michael.Karazin@phmic.com
Phone: 800.247.5930 Ext. 7128
Cell Phone: 619.880.1234
Fax: 515.295.4682

About the agent

Michael Karazin attended Boston College, earning a B.A. degree in English and Sociology. Michael joined Pharmacists Mutual as a Field Representative in 2020, serving members in southern California. During his 17-year insurance career, he has owned an insurance agency in Temecula, California, and has won numerous awards for sales and member service. In his spare time, Michael enjoys working out and cooking. He has three amazing kids that he loves to cheer on in all their athletic and academic endeavors.

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About Pharmacists Mutual Insurance Company

Pharmacists Mutual Insurance Company is a specialty insurer focusing on serving independent community pharmacies and dental, veterinary, and healthcare service providers. We seek to serve those who serve and care for our communities. As a nationally recognized leader in providing specialized insurance and risk management solutions, Pharmacists Mutual offers dedicated support and claims excellence in all 50 states and the District of Columbia. Our broad portfolio of products and services provides for our members’ professional and business insurance needs. Pharmacists Mutual has a Best's Credit Rating of A- Excellent.* We have earned a Financial Strength Rating (FSR) of A- Excellent or higher since 1922.

*Effective October 30, 2024. For the latest Best's Credit Rating, access www.ambest.com.

Our Services

Professional Insurance

Pharmacists Mutual provides the professional liability coverage vital to your business, career, reputation, and livelihood. Our policies are specifically designed by industry experts who understand the risks you face and a healthcare professional's challenging and evolving needs.

We specialize in professional liability coverage for:

  • Pharmacists
  • Pharmacy Students
  • Pharmacy Technicians
  • Dentists
  • Dental Students
  • Dental Hygienists
  • Veterinarians
  • Health Care Services

Commercial Insurance

In every market, for every size of business, there is risk. Pharmacists Mutual's commercial insurance provides essential, specialized coverage for business owners. We offer coverage for property, general liability cyber, sexual misconduct and physical abuse, employment-related practices, workers compensation, commercial auto, commercial umbrella, and many specialized coverage enhancements.

We are a specialty writer for:

  • Pharmacy
  • Dental
  • Veterinary
  • Home Medical Equipment
  • Home Health Care
  • Personal Care Providers
  • Senior Living
  • Life Sciences
  • Other Health Care Specialties
  • Grocery

808 US Hwy 18 West
PO BOX 370
Algona, IA 50511

PHONE
800.247.5930
 

 

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All products may not be available in all states and territories.

*A.M. Best's credit ratings are independent and objective opinion.