Pharmacists Mutual News & Announcements

RM Alert: COVID-19 Vaccine Errors and Deviations

Case study: A patient presents to the pharmacy for a COVID-19 vaccine. During the intake process, the pharmacist mistakenly pulls the Moderna vaccine for a 16-year-old patient. The error is discovered during the documentation process after the injection was given. What should the pharmacist do? The CDC has an excellent resource for those providing COVID-19 Read More »

RM Alert: Opioid Cases Continued – Suggestions for Pharmacy Owners

Another court ruling involving pharmacists’ duties in the dispensing of opioid prescriptions has been issued. Like the Ohio case referenced in September 2020, the latest ruling involves the idea of Red Flags and pharmacists’ duty to resolve them. Shortly after the Ohio decision, Walmart filed suit against the Department of Justice (DOJ) in the Eastern Read More »

RM Alert: Federal Covid-19 Safety Program targets certain industries

The Occupational Safety Health Administration (OSHA) has launched a National Emphasis Program (NEP), which focuses enforcement efforts on industries that have the greatest number of workers at serious risk of contracting the coronavirus. These are temporary programs, short of issuing an emergency Covid-19 safety standard, which many thought would come after President Biden’s executive order Read More »

RM Alert: Civil Unrest

Pharmacists Mutual cares very much about the well-being of our members. We support the rights of people to assemble and protest injustice peaceably. We stand opposed to any violence and destruction that is perpetrated by groups in the cities and towns that we serve. We know that you are concerned about the civil unrest that Read More »

Vaccination Requirement Considerations for Employers

As we move beyond the dark path created by the COVID-19 pandemic, we look forward to the prospect of greener pastures afforded through mass vaccinations. While the vaccination will lend itself greater control of the virus, it also presents a series of moral and ethical obligations to business owners of all sizes. There is no Read More »

Pharmacists Mutual Introduces New Individual Pharmacy Technician Professional Liability Policy

Algona, Iowa – Pharmacists Mutual Insurance Company, with its century-long legacy for personalized service to its members nationwide, is pleased to unveil professional liability coverage specifically for Pharmacy Technicians. The pharmacy technician profession is ever-changing and expanding. With these changes, there is an increase in professional liability exposure for the technician. Pharmacists Mutual acknowledges the Read More »


Dear Pharmacists Mutual California Members, This is a follow up to our September 23rd communication regarding SB 1159.   This new law was signed by California Governor Gavin Newsom on September 17th and went into effect immediately. One of the important components of this law is the mandatory reporting responsibility of COVID-19 data by employers to Read More »


As active COVID-19 cases climb in northern Iowa, I have made the difficult decision to close the PMIG Algona, Iowa office to most employees and the public. Effective Monday, September 21, 2020, all Algona employees, with limited exceptions, will be working remotely.  Similarly, the PMC Advantage offices will be open by appointment only. Our priority Read More »

The Des Moines Register Names Pharmacists Mutual Insurance Company a Winner of the Iowa Top Workplaces 2020 Award

Algona, IA – Pharmacists Mutual has been awarded a Top Workplaces 2020 honor by The Des Moines Register. The list is based solely on employee feedback gathered through a third-party survey administered by employee engagement technology partner Energage, LLC. The anonymous survey uniquely measures 15 drivers of engaged cultures that are critical to the success Read More »

Premium Deferral for Members Impacted by Hurricane Laura

For members with insurance policies issued in Louisiana and Texas who are affected by Hurricane Laura Upon request, payments due on Pharmacists Mutual Insurance Company, Chiron Insurance Company, and Rx Life policies (administered by Pharmacists Mutual) may be deferred for up to 60 days to provide extra time to work through this crisis. If you Read More »

Driving Change through One Simple Solution: Trees

Pharmacists Mutual Insurance Company Joins the Arbor Day Foundation’s Time for Trees™ Algona, Iowa, September 1, 2020 – Pharmacists Mutual Insurance Company joins the Arbor Day Foundation in their Time for Trees initiative. For every policy that goes paperless from September 1, 2020 through August 31, 2021, Pharmacists Mutual will donate $1.00 to the Arbor Read More »

Premium Deferral for Members Impacted by Wildfire in California

Pharmacists Mutual is always with you – especially during your time of need. We are providing premium deferral of up to 60 days to members impacted by the fires in California. Payment requirements on policies written with other insurance companies through our agency, PMC Advantage Insurance Services, Inc., will be determined by those companies.   Read More »

Pharmacists Mutual Insurance Company Named a 2020 Property-Casualty Ward’s 50® Company

Algona, Iowa – July 16, 2020 – Aon plc, a leading global professional services firm providing a broad range of risk, retirement, human capital, and health solutions, has released the list of Ward’s 50® top-performing insurance companies for 2020, identifying U.S. companies that have achieved superior financial performance. Ward benchmarking is the leading operational and Read More »

Annual Meeting Notice

As a member of Pharmacists Mutual Insurance Company, you are invited to the annual meeting on Wednesday, August 19, 2020, at 9:00 a.m. This meeting will be held virtually. If you are interested in attending the virtual meeting, please register at between July 20 and August 18, 2020, at noon. The agenda for this Read More »

RM Intel Alert: HB 2455

On Friday, June 5th, Illinois Governor J. B. Pritzker signed an omnibus labor bill that includes death benefits for first responders who were presumably infected with COVID-19 while on duty and workers’ compensation benefits for essential workers under certain conditions. HB 2455 is the product of negotiations between business and labor establishing evidentiary standards and Read More »

COVID-19 Testing. Our pharmacists are covered.

Are you covered to order and administer COVID-19 tests to your patients? Yes, you are! Pharmacists are permitted to order and perform testing for COVID-19 pursuant to a declaration by the Secretary of Health and Human Services under the Public Readiness and Emergency Preparedness (PREP) Act. These activities are already included in the definition of Read More »

Personal Auto Credit
Pharmacists Mutual COVID-19 Relief

Pharmacists Mutual Insurance Company has been helping our members through difficult times for more than 110 years. Due to a reduction in travel caused by the COVID-19 pandemic, we are refunding approximately 15% of Pharmacists Mutual’s personal auto premium earned in April and May of this year. The refund will be offered as a one-time Read More »

RM Intel Alert: Drug Shortages

April 3, 2020   Drug shortages, including human, animal, and biological products, have been an ongoing issue for the past several years. Many shortages were a result of market changes and supply challenges. However, the COVID-19 pandemic has created an acute demand for certain products and a disruption in the supply chain. The FDA is Read More »

The Coronavirus Aid, Relief, and Economic Security Act

Congress recently passed and President Trump signed the Coronavirus Aid, Relief, and Economic Security (CARES) Act into law on March 27, 2020.  The Act contains a multitude of provisions on a number of different topics.  Pharmacists Mutual is providing this summary to help you implement the requirements under the Act.  Since every business has unique Read More »

Inform: Families First Coronavirus Response Act

Congress recently passed and President Trump signed the Families First Coronavirus Response Act (HR 6201), which becomes effective April 1, 2020 and continues through December 31, 2020.  Pharmacists Mutual is providing this alert to its members to help you implement the requirements under the act. There are two specific provisions that provide employees with additional Read More »

Indy Health Incorporated Partners with Pharmacists Mutual Insurance Company for Independent Pharmacy Owned Medicare D Plan

Columbus, OH – March 19, 2020 Indy Health Inc. has partnered with Pharmacists Mutual Insurance Company to provide support for independent pharmacies and their patients.  Indy Health Inc. has formed Indy Health Insurance Company, which will provide a Medicare Part D prescription drug plan designed to be friendly to independent pharmacies and patients.  Indy Health Read More »

Premium Deferral for Members Impacted by COVID-19

March 16. 2021   Pharmacists Mutual is always with you – especially during your time of need. We are providing premium deferral to members impacted by the COVID-19 pandemic.   What does this mean for you? If you are a member in the District of Columbia, we will comply with Commissioner’s Order 03-2020. This means Read More »

Make Sure Your Family is Safe – Home Fire Preparedness

Jen Aultman, CPhT, Risk Management Consultant Home fires can devastate your life.  Even a small fire often requires residents to evacuate and reside elsewhere while clean up takes place. Smoke damage can cost thousands of dollars in damage to personal items, not to mention the time to clean what is salvageable. Fire can grow exponentially Read More »


Pharmacists Mutual has been awarded a 2019 Top Workplaces honor for the third consecutive year by The Des Moines Register. The list of companies recognized is based solely on employee feedback gathered through a third-party survey administered by research partner Energage, LLC, a leading provider of technology-based employee engagement tools. The anonymous survey measures several Read More »

Pharmacists Mutual Insurance Company Named a 2019 Property Casualty Ward’s 50® Company

Algona, Iowa – July 17, 2019 Pharmacists Mutual Insurance Company, with its century-long legacy in the insurance and risk management market, is pleased to announce that it has been named to the prestigious Ward’s 50®list of top insurance companies for 2019. This marks the fourth consecutive year Pharmacists Mutual has earned this esteemed recognition. Ward Read More »

A Breaking Problem

Jen Aultman, Risk Management Consultant, CPhT If an appliance in your home, garage or business had a 25% chance of causing fire – what would you do? Hopefully, the answer is to remove the source of danger. This example could be a reality in your home. Federal Pacific mass manufactured breaker boxes from the 1950’s Read More »

National Conference of Insurance Legislators (NCOIL) Meeting

Don McGuire of Pharmacists Mutual Insurance Company was among those attending the meeting of the National Conference of Insurance Legislators (NCOIL) in Oklahoma City.  The purpose was to assist NCPA and other pharmacy groups in advocating for a PBM Licensure and Regulation Model Act.  NCPA and its partners have worked on this effort for the Read More »

Pharmacists Mutual Provides Premium Deferral through January 15, 2019, for those in Specified Areas Impacted by Hurricane Michael

Pharmacists Mutual is always with you – especially during your time of need. We are providing premium deferral through January 15, 2019, to all our members affected by the recent hurricane in Georgia and part of Florida. What does this mean for you? Payments due on Pharmacists Mutual Insurance Company (PhMIC) and Rx Life policies Read More »

Tornado Preparedness

With winter behind us, our thoughts turn to spring and summer. Unfortunately, with the change of season, also comes the threat of tornados. As with every threat we face in life, putting it into context helps us decide what to do to prepare for the threat.  Tornados: Occur more frequently in the U.S. than anywhere Read More »

Hurricane Preparedness

Pharmacists Mutual wants to remind everyone to be vigilant regarding predicted storms, their path and intensity. We want to remind members that storm surge is flooding and not covered unless specific flood coverage/policy is in place.  Please take action to protect your property from flooding. Hurricane season begins June 1st (May 15th in the Pacific Read More »

Pharmacists Mutual Insurance Company Named a 2018 Property Casualty Ward’s 50® Company

Pharmacists Mutual Insurance Company, with its century-long legacy in the insurance and risk management market, is pleased to announce that it has been named on the prestigious Ward’s 50 list of top insurance companies for 2018. This marks the third consecutive year Pharmacists Mutual has earned this esteemed recognition. Ward Group has analyzed property-casualty and Read More »

The Des Moines Register names Pharmacists Mutual a Winner of the 
 Iowa 2018 Top Workplaces Award

Pharmacists Mutual has been awarded a 2018 Top Workplaces honor by The Des Moines Register. The list is based solely on employee feedback gathered through a third-party survey administered by research partner Energage, LLC (formerly WorkplaceDynamics), a leading provider of technology-based employee engagement tools. The anonymous survey measures several aspects of workplace culture, including alignment, Read More »

Pharmacists Mutual Unveils New Logo, Tag Line, and Vision for the Future

Algona, Iowa – July 20, 2017 – Pharmacists Mutual Insurance Company, a nationally recognized leader with a century-long legacy in the insurance and risk management market, today announced its new vision and tag line: “Tomorrow. Imagine That.” With this comes a planned refresh of the company’s corporate logo. Members and employees will begin to see Read More »

ALERT: Members in Illinois

The Illinois Department of Insurance issued Bulletin 2017-03 on July 17, 2017, regarding the flooding that has affected Cook, Kane, Lake, and McHenry counties in Illinois. This bulletin was issued to all companies licensed to transact business in Illinois.  Pharmacists Mutual Insurance Company and The Pharmacists Life Insurance Company are aware of this bulletin, and Read More »

Dental Fraud: A $12.5 Billion Dollar Problem

People often see dentists as professional, caring, ethical and honest individuals. However, there are employees and some dentists out there that can tarnish this image. An emerging issue that is growing is fraud in the dental practice.  According to the National Health Care Anti-Fraud Association, of the $250 billion spent on dental care procedures annually, Read More »

Foundation Cracks – Unseen Danger

Do you have cracks in your home’s foundation walls or floor?  Cracks in your foundation can allow water to seep in, causing damage to the interior of your home.  These cracks can also let in something you can’t even see-.  You may have a guest in your house and not even know it.  The name Read More »

Drug Security in the Independent Pharmacy

Since the CDC declared an epidemic of prescription drug abuse in the United States in 2010, numerous programs and initiatives have been implemented to control access to narcotics. These have included prescription drug monitoring, increased DEA activity, addiction treatment funding, changes in prescription guidelines, drug take back programs, crackdowns on pill mills, and rescheduling of Read More »

Sewer Backup Prevention and Coverage

To prevent a back up of your sewer and drain system, it is helpful for property owners to be aware of what might cause a back up, and what preventative measures can be taken. Whether you are purchasing a new home, or have owned your property for several years, it can provide great benefit to Read More »

Veterinary Prescriptions … Are You Prepared?

Community pharmacists face a growing challenge: They are being asked to fill an increasing number of veterinary prescriptions. This trend is here to stay, and the challenges pharmacists face in filling pet prescriptions will be compounded if the Fairness to Pet Owners Act of 2015 is enacted as law. This Act would require veterinarians to Read More »

Smartphone Apps for the Pharmacist

Looking for smart phone apps for Pharmacists? Type “smart phone apps for the pharmacist” in a Google search and you’ll get about 92,000,000 hits. We found it pretty easy to search through and find something for just about every aspect of pharmacy. Everything from drug guides to symptom checkers, apps about vacinations and even popular Read More »

Honesty About Dishonesty – Employee Theft

No businessowner wants to think about an employee stealing from them.  Nor does a businessowner want to think about their vendors stealing from them.  Even if we don’t want to think about these things happening, the reality is, it most likely has or will happen.  Do you really know what your business insurance covers or Read More »

The Impact of Insurance Fraud

Insurance fraud − in the most simple of terms − is a lie told to steal the financial protections and benefits of insurance. Insurance fraud is a felony crime that imposes significant financial and personal costs on individuals, businesses and society as a whole. It’s a crime that is not only widespread, but also growing, Read More »

Safe Deposit Boxes

Have you ever made mental note of some paperwork you have at home which deserves special treatment and safety? Maybe it is an old love letter your parents exchanged, or a copy of a special photograph.  How about your social security card?  If any of these things has come to mind, a safe deposit box Read More »

Ice Dams

The winter of 2014 brought with it a significant number claims related to ice dams. With the next winter approaching, we thought it would be helpful to provide some information on ice dams: how they form, strategies to prevent and/or remove them, and tips on protecting your property from resulting leaks. Ice dams form when Read More »

Dispose of Unneeded Medications to Protect Your Loved Ones

Prescription drug abuse has reached epidemic proportions across the country. In 2011, over 6 million people aged 12 or older abused prescription drugs, according to the Substance Abuse and Mental Health Services Administration, a government agency that conducts a national survey on related topics each year. The same survey showed that over 50% of people Read More »

Proactive Narcotic Abuse Screening

Case: An independent pharmacy filling high-doses of narcotic CNS depressants for a middle-aged man, receives notice of a claim. The patient was found unresponsive by his wife, and pronounced dead at the scene. Toxicology reports indicate supratherapeutic concentrations of hydrocodone, oxycodone, and alprazolam. Additionally, multiple tablets of Oxycontin® are found in the patient’s stomach upon Read More »

Homeowner H”app”iness

To say we have busy lives is an understatement.  Most of us could use more time in our day.  We have many things to do and keep track of.  Caring for our families and homes are responsibilities most of us take pride in.  From major home improvement projects to painting a wall, a little help Read More »

Is it an Inside Job?

At Pharmacists Mutual, the Risk Management department regularly reviews pharmacy crimes to evaluate ways to help member companies consider security measures in their pharmacies.  A burglar often visits a pharmacy before breaking in.  The average burglar visits his or her target five times; allowing them to check out motion sensors and other security measures, learn Read More »

Not Only How, But Why

A recent edition of Pharmacy Today magazine contained an article that talked about pharmacists getting the right drug at the right dose to the right patient at the right time.  The article was discussing pharmacogenetics and not dispensing errors.  However, the article did remind me how critical it is to deliver the proper medication to Read More »

Actions to Take When There is an Active Shooter

The term Active Shooter is fairly new in the lexicon of crime. It became popular in the past decade as a way of quickly describing situations where a person or persons was in the area, armed and intent on doing harm. Over the years, active shooter incidents have included shootings at post offices, schools, offices, Read More »

Dealing with the Aftermath of a Home Fire

Each year in the United States there are over 360,000 home fires reported to fire departments. The chance of your household becoming part of these statistics in your lifetime is 1 in 4. If you include fires not reported to the fire department, estimates from the National Fire Prevention Association indicate that each household can Read More »

Why Should I Carry Professional Liability Coverage?

We hear this question on a regular basis.  We hear many reasons why a pharmacist or pharmacy owner does not feel it is necessary to have a personal policy.  Think about the principle of auto insurance.  We know we insure our own car, but sometimes the problem is whether the other driver has insurance. The Read More »

NCPA Annual Convention

Pharmacists Mutual Companies will be exhibiting and participating in presentations during the NCPA Annual Convention held October 13 – 19, 2016, in New Orleans, LA. PMC is always happy to meet members and prospective members. Stop by and see us at any of these following events: High Performance Strategies for Long Term Care Pharmacies Pharmacy Read More »

Healthiest State Walk 2016

Pharmacists Mutual Insurance Company participates in the Healthiest State Walk 2016 On October 5,thousands of Iowans will again support Iowa’s efforts to become a healthier state with the goal of having at least one organized walk in all 99 counties.I’m pleased to announce that this statewide effort will include Pharmacists Mutual Insurance Company. This walk Read More »

Hurricane Matthew

Hurricane Matthew, a large category three hurricane heading towards the southeast United States, is expected to bring strong winds, heavy surf, and torrential rain beginning late Thursday or early Friday. Current forecasts are uncertain if a landfall will occur. We are concerned about you and your family’s well-being. Being prepared may be the one thing you can Read More »

The Pharmacists Mutual Community Pharmacy Scholarship – 2016 Recipients

Ward’s Top 50 2016

We are pleased to share that Pharmacists Mutual has been named as a 2016 Ward’s 50 top performing company. What does that mean? We are being recognized for being one of the top 50 Property and Casualty insurers in the United States. The Ward Group reviewed nearly 3000 insurers using multiple metrics for safety, consistency, Read More »

Pharmacy Crime Report

Pharmacies across the country continue to be the targets of burglars and robbers seeking drugs. Pharmacists Mutual provides an in-depth look at the problem and measures pharmacists need to take to protect themselves in this examination of pharmacy crime. VIEW CRIME REPORT

Scan Verification Software

“It’s Self-Evident – Equip all technicians with scan verification software” Michael Stotz, Senior Marketing Manager, Kirby Lester Pharmacy today operates in the midst of a litigious society. Coupled with a steady increase in the number and types of drugs the probability of a error continues to increase. Technology provides an opportunity to reduce the chances Read More »

Healthcare Data Breaches

Healthcare Data Breaches – 2015 was a record year Michael Warren, Risk Manager, ARM, OHST 2015 was a year of records. For you golf fans, it marked the debut of the world’s largest useable golf club. At 14 feet five inches, it drove a ball a distance of 524 feet. Unfortunately, the record set with Read More »