Your questions answered.


How do I apply for PDL membership including my Professional Liabilities Insurance?

Pharmacists, pharmacy interns and students are welcome to apply for PDL membership online anytime via 

How do I renew?

Renew online using your member login at . Manage your account entirely online including payments in My Account.

When do I renew?

The renewal date is 30th April 4PM annually. It applies to every member of PDL including pharmacists, pharmacy interns and students.

How will I know when it's time to renew?

PDL will notify you ahead of the renewal period. Ensure your online profile is kept up to date in My Profile so that we can easily notify you. Follow the links to My Profile via member login at


Can I pay online?

Yes. Monthly instalment and annual payment options are available.  Visit using your member login and follow the links to My Account.

How do I get a Certificate of Cover or Tax Invoice or Receipt?

Download a Certificate of Cover or Tax Invoice and Receipt at any time using your member login at Follow the links to My Account.


How do I get help to handle an incident or claim?

Call us for advice and support at any time in relation to an incident which may become a claim on 1300 854 838 and use your reporting facility online via member login at

What does PDL do?

PDL is 100% owned by its members who are pharmacists working in a range of roles across the profession. We are dedicated solely to protecting pharmacists and acting on behalf of the pharmacy profession.

Building on more than 100 years of experience and expertise, the PDL Pharmacists Liabilities Insurance Master Policy was developed and launched to members in 2015, to provide a high level of cover for pharmacists.

We operate an Australia wide professional incident and claims support and advice service to protect our members and to minimise patient harm. We look after our members for a lifetime.

Pharmacy interns and students are entitled to free membership including PI.

Bonus subscription to the Australian Journal of Pharmacy (AJP) magazine in print for pharmacists and e-mag for interns and students.

What is a Master Policy?

A single insurance policy developed by experts in pharmacy and insurance, designed for pharmacy professionals, to cover each nominated member of PDL.

Who does the Master Policy cover?

Non-proprietor pharmacists in Australia, including but not limited to hospital, clinical, research and community pharmacists and pharmacists working in the profession in other roles.

What is covered under the Master Policy?

The full scope of pharmacy as regulated by the Pharmacy Board of Australia (PBA) including vaccination services, and features retiree run-off cover. Full liability cover including professional indemnity, public liability and products liability.

What is a claims made policy/cover?

The PDL Master Policy is a claims made policy. Most, if not all, professional indemnity insurance policies in Australia are claims made policies. Claims made cover means you need to have an active policy at the time you become aware of an incident or claim in order to be covered for that incident or claim. If you cease to have a claims made policy, you are no longer covered for any new incidents or claims you become aware of.

What is retroactive cover and what does the retroactive date mean?

Retroactive cover provides insurance for claims which may arise from pharmacy services you provided prior to the start date of your current policy. This applies to incidents/claims you were not aware of. The retroactive date tells you how far back you are covered for your work. Some insurance policies will have a specified retroactive date and this means the policyholder is only covered for work they did back to that specified date. If the retroactive date is ‘unlimited’ then the cover provided under the policy is for all their past work.

Am I covered if I travel and work overseas?

The Master Policy is designed to cover pharmacists working in Australia however there is cover under the policy for Good Samaritan Acts you provide anywhere in the world. There is also cover for public liability claims if you attend a pharmacy conference, training or teaching event outside Australia (the claims have to be brought in an Australian court).

What is an independent contractor?

We ask whether you work as an independent contractor to determine if you are eligible for the Master Policy cover, or whether you will require an endorsement
The Master Policy covers:

  • Pharmacists working as an employee
  • Accredited Pharmacists doing HMRs and RMMRs as an employee or independent contractor. Pharmacists working as Approved QUM Service Providers as an employee or independent contractor

An independent contractor:

  • Has an ABN and invoices another party for their services
  • May use an entity (e.g. John Smith Pty Ltd) as the issuer of their invoice
  • Has a contract which stipulates they must have their own professional indemnity insurance arrangement, such as QCPP assessors

Who is a Locum?

  • A locum works periodically in a pharmacy and may use an ABN and invoice for their hours

Are there any updates to the definitions in the Master Policy?

Definition Update 1 March 2018

Fact Sheet - Important Information 2018

What services do I get access to?

  • One-to-one peer support, guidance and advice for risk minimisation and support in relation to incidents. This unique service is offered exclusively to PDL members, nationally
  • 24/7 claims support and access to regular risk management and minimisation strategies and communications
  • Practice Alerts
  • Mentoring program
  • Newsletters

I’m a pharmacy student/intern – are there any restrictions to my cover under the Master Policy?

The PDL Master Policy covers students and interns who provide pharmacy services within the requirements of their AHPRA registration. Under the student and intern AHPRA registration you are required to be supervised by a qualified practitioner when you are providing any pharmacy services.

Do interns need to contact PDL when they become a fully registered pharmacist?

Yes you may go online to update your cover at any time. Login to the member portal and follow the prompts in My Profile. Or call PDL on 1300 854 838 to notify us of your registration and to commence your membership as a pharmacist prior to your first day of work.

Extra Features

  • Bonus subscription to the Australian Journal of Pharmacy (AJP) which now offers ‘AusPharm’ forum
  • Students and interns can apply for FREE membership and insurance!

Still searching for an answer? Please call us on 1300 854 838.