July 6, 2026

Emergency Preparedness in Healthcare Settings

Author: Andrew Jones, DVM, Veterinary Risk Specialist What is emergency preparedness? It's more than just a written document or plan; it's a state of mind and dedication to keeping patients, clients, and staff safe during an emergency. Emergencies can occur at any time and can have profound impacts. That's why it's important to consider emergency planning and how it can fit into your business and… Read More »
June 24, 2026

PHARMACISTS MUTUAL INSURANCE GROUP EXPANDS COVERAGE OPTIONS FOR HEALTHCARE PROFESSIONALS WITH PM HEALTHCARE PROTECT

Algona, Iowa — Pharmacists Mutual Insurance Group, through its subsidiaries, announces expansion of key insurance coverages for healthcare professionals and business owners through PM Healthcare Protect. The new product brand provides tailored commercial insurance solutions to meet the complex coverage needs of the healthcare industry. Read More »
May 29, 2026

PHARMACISTS MUTUAL ANNOUNCES FELIX GALLAGHER AS NEW CHAIR OF THE BOARD OF DIRECTORS

Algona, IA – Pharmacists Mutual Insurance Group ("Pharmacists Mutual") announces the appointment of Felix Gallagher, PharmD, as Chair of its Board of Directors. Gallagher succeeds Sue Sutter, who has served as Board Chair since 2024 and concludes 21 years of service on the Board. Read More »
May 20, 2026

Providing Refunds and Releases to Patients: A Risk Management Perspective

Issuing refunds and obtaining releases from patients are common strategies used in dental practices to resolve conflicts, maintain goodwill, and mitigate potential claims. Aligning the use of these tools with legal, ethical and risk management best practices to ensure effectiveness can be challenging. This article will explore when and why a practice might consider a refund, the value and… Read More »
May 15, 2026

PHARMACISTS MUTUAL ANNOUNCES BOARD TRANSITIONS, HONORS RETIRING DIRECTORS AND WELCOMES NEW MEMBERS

Algona, IA – Pharmacists Mutual Insurance Group ("Pharmacists Mutual") announces the retirement of three long-serving Board members: Sue Sutter, Rich Moon, and Kirk Hayes, and welcomes three new directors whose experience and leadership will guide the company into its next chapter. Read More »
May 4, 2026

Pharmacists Mutual Advances Strategic Growth Initiative Through Collaboration with Positive Physicians

Algona, Iowa — Pharmacists Mutual Insurance Group (“Pharmacists Mutual”) today announced a strategic collaboration with Positive Physicians Insurance Company (“Positive Physicians”), further advancing the Company's long-term growth strategy within the healthcare professional liability market. Read More »
December 17, 2025

Pharmacists Mutual Insurance Group Announces New Organizational Structure to Support Strategic Goals

Algona, IA – Pharmacists Mutual Insurance Group (PMIG), a leading provider of commercial property and casualty insurance for pharmacies and specialty healthcare service providers, is pleased to announce a new organizational structure and leadership following its transition to a mutual holding company (MHC). This structure, effective January 1, 2026, includes two specialized branches: Read More »
December 3, 2025

PHARMACISTS MUTUAL RATED A- (EXCELLENT) BY AM BEST

Algona, IA – Pharmacists Mutual Insurance Group is pleased to announce that AM Best Company* has affirmed its Financial Strength Rating (FSR) of A- (Excellent) and its Long-Term Issuer Credit Rating (ICR) of a- (Excellent). According to AM Best’s FSR scale, an Excellent rating reflects an insurer’s strong ability to meet its ongoing policy and contract obligations, a standard we remain committed… Read More »
July 23, 2025

PHARMACISTS MUTUAL WELCOMES MATTHEW MOSHER TO BOARD OF DIRECTORS

Algona, IA – Pharmacists Mutual Insurance Company today announced the appointment of Matthew Mosher, former President and CEO of AM Best Rating Services, Inc., to its Board of Directors. Mosher brings decades of leadership experience and deep industry understanding that will be instrumental in guiding Pharmacists Mutual’s continued growth and strategic direction. Read More »
June 22, 2025

Pharmacists Mutual Insurance Company to Become Pharmacists Mutual Insurance Group

Algona, IA – Pharmacists Mutual Insurance Company, a nationally recognized leader in commercial property and casualty insurance products for pharmacies and specialty healthcare service providers, is pleased to announce its restructuring into a limited mutual holding company (LMHC). The newly formed mutual holding company will be known as Pharmacists Mutual Insurance Group. The conversion to an… Read More »
June 11, 2025

Staying Prepared During Times of Unrest

Pharmacists Mutual Is Here to Help – Before, During, and After a Loss Read More »
May 2, 2025

GLP-1 Compounding

As you likely know, the Food & Drug Administration (“FDA”) has recently determined the shortage of semaglutide injection products has resolved. The drug manufacturers have advised the FDA that their product availability and manufacturing capacity can meet the present and projected national demand. Pursuant to this determination, the FDA has announced that state-licensed pharmacies compounding… Read More »
April 1, 2025

Alert – Members in Arkansas

The Arkansas Insurance Department issued Bulletin No. 06-2025 in response to the recent severe storms taking place in Baxter, Chicot, Clark, Fulton, Greene, Hempstead, Hot Spring, Independence, Izard, Jackson, Lawrence, Nevada, Phillips, Randolph, Sharp, Stone, White, and Woodruff counties. Please see the links below. The Department has issued a 60-day moratorium on the cancellation and… Read More »
March 21, 2025

Severe Weather Preparedness

Pharmacists Mutual strives to provide peace of mind. If you need our help after the storm passes, rest assured we are here for you. Here is information on the storm and tips to help you prepare. Read More »
March 13, 2025

Pharmacists Mutual Announces 2025 Scholarship Winners

Pharmacists Mutual Insurance Company proudly announces the recipients of its 2025 Pharmacists Mutual Community Pharmacy Scholarship. This prestigious award recognizes outstanding pharmacy students who are interested in serving in independent or small-chain community pharmacies as well as those students planning to work in underserved geographic areas. Read More »
December 18, 2024

Michigan Pharmacists Association Names Pharmacists Mutual as Endorsed Insurance Partner

The Michigan Pharmacists Association (MPA) has officially named Pharmacists Mutual Insurance Group (PMIG) as its endorsed insurance carrier for members. This strategic partnership brings MPA members access to a wide range of insurance solutions tailored to the unique needs of pharmacy businesses and backed by PMIG’s 115 years of experience and commitment to pharmacy professionals. Read More »
December 18, 2024

PMC Advantage announced expansion to Lansing, Michigan

PMC Advantage Insurance Services, Inc. (PMCA), a wholly-owned subsidiary of Pharmacists Mutual Insurance Company, has closed an asset purchase transaction with Lansing, Michigan-based PSI Insurance Agency (PSIA), resulting in the sale of all renewal rights to PMCA by PSIA. The transaction is expected to result in over two million dollars in new business opportunities for PMCA over the next twelve… Read More »
November 20, 2024

How to Thwart Potential Burglars from Entering Through the Back Door

While you’ve probably already considered how to make your pharmacy or retail location less attractive to burglars — by strengthening your windows, optimizing your alarms and cameras, and adding more external lighting, for example — you may be overlooking a key vulnerability in your physical security system: your building’s back door. Read More »
November 7, 2024

Avoiding Deer and Other Animals While Driving

The Highway Loss Data Institute reports collisions with animals are more than twice as frequent as the yearly average during November when big bucks are searching for a mate.1 Often, they wander onto streets and highways in search of food, water, and shelter, either alone or in groups. Read More »
October 17, 2024

Why Your Company Needs Employment Practices Liability Insurance

A small business faced a wrongful termination claim from a former employee who alleged discrimination based on age. The employee sought damages amounting to $250,000, which could have severely impacted the company’s finances. Fortunately, the business had Employment Practices Liability Insurance (EPLI). The insurer covered the legal defense costs, which totaled approximately $50,000, allowing the… Read More »
October 9, 2024

Florida Fire Safety Alert

Click here to read the fire safety alert in the wake of Hurricane Helene. Read More »
October 8, 2024

Hurricane Milton

Pharmacists Mutual strives to provide peace of mind. If you need our help after the storm passes, rest assured we are here for you. Here is a list of tips to help you prepare for the storm. Read More »
October 4, 2024

Tennessee Floods

Governor Lee issued Executive Order 105 on September 27, 2024, in response to the severe weather and flooding that has recently affected the state. In response to this order, the State of Tennessee Department of Commerce and Insurance Tennessee issued Bulletin 2024-03 that was directed to all Tennessee-licensed insurance companies and insurance professionals licensed in other states. Read More »
October 3, 2024

Dental School to Dental Practice: Navigating the Journey

Read Time: 6 min Read More »
August 12, 2024

How Hidden Trackers Fight Pharmacy Losses from Looting

Looting is often associated with protests and civil unrest events that spiral out of control. Nefarious characters often take advantage of confusion and highly charged settings to rob and damage local storefronts, smashing and grabbing as much merchandise as possible. Read More »
July 19, 2024

Compounding and Distribution of GLP-1 Medications

GLP-1 drugs seem to be on everyone’s mind and in the news pretty regularly. Compounding pharmacies have played a crucial role in providing these medications to patients, while the manufactured drugs have remained in shortage for many months. Pharmacists Mutual has seen claims against pharmacists and pharmacies for adverse reactions in patients and allegations in these claims include improper… Read More »
July 12, 2024

3 Immediate Actions to Take When Civil Unrest is Imminent

Most business owners are aware of the potential for civil unrest within or near their communities. According to the Carnegie Endowment for International Peace, there have been more than 700 significant antigovernment protests in more than 147 countries worldwide since 2017. While some citizens take to the streets with good intent to protest peacefully, history shows it doesn’t take much for… Read More »
June 25, 2024

Hurricane Preparedness

The Atlantic hurricane season runs from June 1st through November 30th. When a hurricane is predicted to make landfall near your location, it’s already too late to prepare. Stores will be out of preparedness supplies, and grocery stores will likely have bare shelves. Read More »
June 13, 2024

5 Steps to Protect Your Business Against Civil Unrest and Riots

Recent studies show that political risk and violence rank as the eighth-largest worry for companies globally in 2024, up from 10th in 2023 and 13th in 2022. This steadily increasing concern is well-placed, as the costs from U.S. riots during the 2020 election year reached $1-$2 billion in insurance claims. Read More »
June 1, 2024

PHARMACISTS MUTUAL INSURANCE COMPANY ANNOUNCES CHANGES TO THE BOARD OF DIRECTORS; KIRK HAYES RETIRES AS BOARD CHAIR AFTER A DISTINGUISHED 55 YEARS ON THE BOARD, INCLUDING 23 YEARS AS CHAIR

Susan Sutter to Assume Board Chair Read More »
May 17, 2024

Pharmacists Mutual Insurance Company Releases New Civil Unrest & Riot Prep Toolkit

Pharmacists Mutual Insurance Company has recently released a robust toolkit designed specifically for our members. This toolkit equips businesses with the necessary tools and knowledge to fortify themselves against the potential damage and loss caused by civil unrest and riots, empowering them to face these challenges with confidence. Read More »
April 12, 2024

Civil Unrest Series #1:

Why Your Business Needs to Be Prepared for Civil Unrest & Riots Read More »
March 26, 2024

Attend our Annual Meeting on May 17th

As a member of Pharmacists Mutual Insurance Company, you are invited to the annual meeting on Friday, May 17, 2024, at 9:00 a.m. The meeting agenda will include a member report, the election of Directors whose terms are expiring, and other matters as may properly come before the meeting, as specified in the Bylaws. Members may add business items to the agenda by written submission to the… Read More »
March 26, 2024

2023 Annual Report

Click here to view the 2023 Annual Report. Read More »
February 5, 2024

RM Alert: California Rain

Pharmacists Mutual strives to provide peace of mind. Realizing flooding may occur in many low-lying areas, be sure to park your vehicle in a location not subject to flooding. If you need our help after the storm passes, rest assured we are here for you. Read More »
January 18, 2024

Slips, Trips, and Falls

The highlight of Louise’s week was driving to the local grocery store to do her shopping. Louise completed her weekly shopping every Tuesday at 9 A.M., like clockwork. Little did Louise know that this upcoming trip to the store would be her last trip by herself. Because of a slip and fall in the store, Louise broke her hip and is now in a rehab center, perhaps indefinitely. Read More »
January 11, 2024

Prevent Freezing Fire Suppression Systems

Extreme cold temperatures are headed your way; now is the time to take steps to prevent freezing pipes and negative impacts on your fire suppression system. Read More »
January 2, 2024

Hurricane Preparedness

Pharmacists Mutual reminds everyone to be vigilant regarding predicted storms, their path, and intensity. Also, be aware that storm surge is considered flooding and not covered unless specific flood coverage/policy is in place. Please take action to protect your property from flooding. Read More »
September 28, 2023

Civil Unrest Philadelphia

Pharmacists Mutual cares very much about the well-being of our members. You may be aware of the civil unrest affecting the Philadelphia area. During times like these, it is important to know that you have a trusted partner in Pharmacists Mutual. You should feel confident that we stand ready to respond to any hardship faced by you or your business. Read More »
September 19, 2023

7TH CONSECUTIVE YEAR AS TOP WORKPLACE

DES MOINES REGISTER NAMES PHARMACISTS MUTUAL A WINNER OF THE IOWA TOP WORKPLACES 2023 AWARD Algona, IA – For the seventh consecutive year, Pharmacists Mutual Insurance Company has received a Top Workplaces 2023 honor. The list is based solely on employee feedback gathered through a third-party survey administered by employee engagement technology partner Energage LLC. The confidential survey… Read More »
September 14, 2023

Sincere Sympathies on the Death of Officer Kevin Cram

Pharmacists Mutual Insurance Company and PMC Advantage Insurance Services express their shared sense of loss, anger and grief at the murder of Algona Police Officer Kevin Cram. Officer Cram kept Iowa communities safe for over a decade, and made the ultimate sacrifice the night of September 13, 2023 in the service of where we all call home. We are forever grateful. The Pharmacists Mutual community… Read More »
September 13, 2023

RM Alert: Hurricane Lee

Hurricane Preparedness Read More »
August 28, 2023

RM Alert: Hurricane Idalia

Hurricane Preparedness Read More »
August 18, 2023

RM Alert: Hurricane Hilary

Hurricane Preparedness Read More »
July 26, 2023

PHARMACISTS MUTUAL SELECTS AARON PEARCE AS NEW PRESIDENT & CEO, ALISON VANOTTERLOO AS INTERIM

Algona, IA (July 24, 2023) – Pharmacists Mutual Insurance Company, the parent company of Chiron Insurance Company and PMC Advantage Insurance Services, Inc., announced July 21, 2023, that its Board of Directors has unanimously chosen Aaron Pearce as the organization’s next President and Chief Executive Officer. Pearce, who currently serves as Vice President and General Counsel for a number of… Read More »
July 25, 2023

The DIR Hangover: The What, When, and How to Avoid

DIR (Direct and Indirect Remuneration) fees is a comprehensive term which covers charges made to pharmacies by Medicare Part D plans or PBMs outside of normal administration fees. The charges may be classified as service fees, network access fees, or they may even be tied to pharmacy performance quality measures. Read More »
July 25, 2023

Conveyor Belt Safety

Conveyor belts were invented in the 1790’s. American groceries began using steel conveyor belts in 1901. By the 1960’s, automated conveyor belts were appearing in grocery stores across the nation. Though a major convenience for staff and customers alike, conveyor belts also pose a number of risks. A study conducted in 2009 by Dr. Zhinong Yan of Moi Belting Systems, Grand Rapids, Michigan found… Read More »
April 24, 2023

Status of Mifepristone Update 4/21/23

Update – Friday, April 21, 2023 – The U.S. Supreme Court ruled 7-2 today to stay the entire order issued by Judge Kacsmaryk of Texas. This ruling overrules the Fifth Circuit Court of Appeals’ order that partially stayed Kacsmaryk’s order. As a result, mifepristone’s status will remain unchanged until the Fifth Circuit hears the case and makes a ruling on the merits. The hearing is expected to be… Read More »
April 20, 2023

Status of Mifepristone Update

Update – Thursday, April 20, 2023 – Justice Samuel Alito extended his stay until 11:59 p.m. on Friday, April 21, 2023. Pharmacists may continue to dispense mifepristone according to previous state and Federal laws until an order is issued or the stay extended again. Read More »
April 19, 2023

Alert – Members in Tennessee

The State of Tennessee Department of Commerce and Insurance (DCI) issued Bulletin No. 23-01 in response to the tornadoes from March 31, 2023, and April 1, 2023. Please see the links below for more information. Read More »
April 17, 2023

Status of Mifepristone

The recent Federal court rulings on the status of mifepristone may leave pharmacists wondering where they stand if they dispense mifepristone. The answer has been changing rapidly and may continue to do so. The answer may also depend on where the pharmacist practices. On April 7, 2023, Judge Matthew Kacsmaryk of the United States District Court for the Northern District of Texas issued a ruling… Read More »
April 6, 2023

Alert – Members in Arkansas

The Arkansas Insurance Department issued Bulletin No. 4-2023 in response to the recent severe storms taking place in Cross, Lonoke, and Pulaski counties. Please see the links below. The Department has issued a 60-day moratorium on the cancellation and non-renewal of personal lines policies for the non-payment of premiums. This shall apply to all personal lines policies issued that cover risks in… Read More »
March 29, 2023

2022 Annual Report

Click here to view the 2022 Annual Report. Read More »
March 28, 2023

Documentation: Dos & Don’ts

Ask any healthcare professional why they entered their field; the answer will likely be to help people. You probably will encounter few, if any, that will tell you it was to spend extra time charting. However, this documentation is crucial to the care we provide. There are three aspects when providing services in which accurate documentation is imperative. Read More »
February 3, 2023

Pharmacy Protests

Pharmacy Protests 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 perpetrated by groups in the cities and towns we serve. We know you are concerned about the civil unrest that has impacted numerous areas of our nation these past years. Knowing that… Read More »
January 27, 2023

Potential 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 has impacted numerous areas of our nation these past years. It is… Read More »
November 7, 2022

Tropical Storm Nicole

Tropical Storm Nicole formed this (Monday) morning in the Atlantic Ocean. This storm’s projected path could reach Florida’s east coast by Wednesday evening/night near hurricane strength. Read More »
November 3, 2022

Massachusetts Expanding Protections for Reproductive and Gender-Affirming Care.

The recently enacted Massachusetts law that expanded protections for reproductive and gender-affirming care primarily applies to health insurance. Still, a section of the law pertains to medical malpractice insurance that does impact pharmacists. Under the law, pharmacists may dispense emergency contraception, which is considered reproductive health care services. If a pharmacist dispenses… Read More »
October 5, 2022

Pharmacists Mutual Recognized as Top Workplace for 6th Consecutive Year

The Des Moines Register names Pharmacists Mutual Insurance Company a winner of the Iowa Top Workplaces 2022 Award Algona, IA – Pharmacists Mutual Insurance Company received a Top Workplaces 2022 award by Iowa Top Workplaces for the sixth consecutive year. The award is based solely on employee feedback gathered through a third-party survey administered by employee engagement technology partner… Read More »
September 23, 2022

Hurricane Preparedness- Tropical Depression Nine

Tropical Depression Nine currently moving in the Caribbean could approach Florida next week as a major Category 3 hurricane. This storm, soon to be named Hermine, is expected to increase in intensity to hurricane strength as it approaches warmer Gulf water. Read More »

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