What is a biohazard cleanup
Liability for environmental damage for pharmacies
Because many substances in the warehouse must not be released
From the point of view of the risk of environmental damage, pharmacies are somewhere between the chemistry laboratory of a science high school and a small pharmaceutical company. After all, drugs, active ingredients and other substances that are potentially hazardous to water, air or soil are stored there. If these get into the environment, for example through damage to liquid containers, through a fire or washed out by the fire brigade's extinguishing water, the environmental damage liability included in every public liability insurance shall apply.
But every pharmacy owner should have clarified two points before the first claim: First, there is the amount of the insured amount in the event of a claim. If this is set too low, high sums quickly stick with the owner. Because traffic safety measures, warning messages on the radio and the residue-free remediation of all contaminated areas, possibly including the local sewage treatment plant, quickly exceed the standard insurance sums. The extent to which the pharmacy should be insured against claims from, for example, the municipal waterworks or the city administration, has to be checked on a case-by-case basis. We would be happy to check this for you. Your request: environmental damage liability
Own property - then only with additional module 1
Liability insurance only covers the damage of others or pays the necessary compensation, but not for damage to your own property. But because the majority of all pharmacies outside the large metropolitan regions are still operated in-house or at least in a family-owned property, their property would remain excluded from claims settlement in such a case of damage.
However, since your own property is inevitably the closest to the damage site, it will also be the most severely affected by all environmental damage. These costs, usually caused by the need to replace the top layers of the earth, are borne by the owner himself.
Fire resistance: rarely sufficient in exposed locations
Good pharmacy locations are often particularly exposed: often in health or business centers, at historical marketplaces, in the middle of the city center, in train stations, airports, shopping centers and in close neighborhoods. These are precisely the characteristics that make it necessary to take a closer look at the protection of fire liability in pharmacies.
Whenever a fire in a pharmacy can lead to a large number of other companies having to close, many people are affected or particularly high values are at risk, these costs are billed to the person who caused the damage - i.e. the pharmacy. Such a damaging event can not only break liability insurance policies that are in short supply, but also significantly exceed the limit of fire liability.
But it does not necessarily have to be a big fire that spreads to neighbors: if, for example, a fire that is limited to the pharmacy breaks out in an airport pharmacy and the terminal has to close for a while, just a few fifteen minutes are enough to bring the claims up to the insurance limit. Anyone who is held liable for the loss of earnings of other companies without ample protection with the appropriate sum insured quickly runs the risk of being stuck on a mountain of debt despite liability. In view of the often very exposed location of pharmacies, an amount of cover of ten million euros seems appropriate.
Biohazard - the environmental damage par excellence
In the past it was called the leakage of environmentally harmful substances: Today these serious environmental risks are under the new German generic term "Biohazard" summarized. This is always the case in pharmacies when pharmaceutical preparations or hazardous substances are released.
In principle, a leaked pharmacist's bottle is already a biohazard. But this mishap is usually cleared up by the pharmacy's own specialists. Only not if the content seeps in somewhere unnoticed. If the liquids are dangerous, you can do that yourself Hygiene guidelines be injured in pharmacies. Just wiping it up makes it even worse.
And if damage turns out to be more serious, especially in combination with fire and water of any kind, pharmacy owners should take special care when cleaning up that the trades performing the work do not aggravate the damage by doing so renovate improperly and perhaps also violate the required hygiene standards.
In such situations, however, pharmacy owners usually inevitably come into conflict with their insurance companies. Namely whenever insurance companies insist on three cost estimates from renovation companies, of which the cheapest offer is then accepted. This, however, logically excludes the companies that offer higher drying, cleaning and remediation standards because they comply with the relevant remediation regulations for environmental damage and include the associated hygiene reports, indoor air measurements and laboratory tests in their offer.
Hygiene renovation - a must for Biohazard
Any major contamination in pharmacies harbors the latent risk of damage to hygiene. Anyone who has ever had the pharmacy council or the local pharmacist on site in such situations can certainly tell a thing or two about it. In order to prevent extra work, annoyance and high follow-up costs, speed is of the essence, because hygiene damage can best be brought under control if it has not yet settled in the building or has not yet spread to the environment.
The required behavior is laid down in the technical rules of the Association of Property Insurers (e.g. VdS 3151). The first thing to do is to avoid contamination of the building and inventory. More
It is largely undisputed that this goal is diametrically opposed to obtaining three cost estimates. Therefore, in addition to the immediate measures to reduce damage covered by every insurance company, the necessary hygiene measures must also be reimbursed without discussion.
But practice shows how seldom the use of specialized and TÜV-certified house technicians as well as hygiene restorers who meet the quality criteria according to DIN EN ISO 9001 can be easily implemented with landlords, property management companies and insurance companies.
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