Universal Insurance provides specific coverages and knowledge



Universal Insurance offers unique and innovative solutions



Universal Insurance takes a thoughtful approach to servicing your needs

Let us handle your insurance needs.


For a quote call our exclusive broker Pharmacy Insurance Network – A Division of The Selzer Company

Our Exclusive Broker

Pharmacy Insurance Network
975 Easton Road, Suite100
Warrington, PA 18976
Office: 215-491-2700
Fax: 215-491-2707


At Universal Insurance, we are known for our exceptional customer service. We do what it takes to ensure your satisfaction and peace of mind. Universal Insurance participates in trade shows, holds seminars, and provides current risk management tips. We participate in various opportunities to help educate business  owners with techniques and tools that could help minimize claims and reduce insurance premiums.

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Fast, Easy, and Free Quotes

Simply fill in the information below and a member of the Pharmacy Insurance Network will be in contact with you shortly or you can call them at 215-491-2700.

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Available Coverages

Professional Liability
Professional Liability insurance protects providers of professional services (i.e. tanning bed operators, cosmetologists, beauticians) in the event of claims or lawsuits alleging damages as a result of their services.
General Liability
Professional Liability for the Pharmacy industry provides an insurance solution to protect owners in the event of claims or lawsuits alleging damages as a result of their services.
Business Personal Property Coverage
This insurance provides protection to the owner of the furniture, fixtures, machinery, equipment, stock, tenant improvements and betterments and other personal property used in the business in the event of damage by a covered cause of loss.
Business Income
Also known as Business Interruption, this insurance protects the owner of a business from loss of income as a result of damage to property by a covered cause of loss.
Equipment Breakdown
Equipment Breakdown insurance covers loss due to mechanical or electrical breakdown (not maintenance) of any type of equipment.
Sign Coverage
This insurance provides protection to the owner of signs (attached to the building, freestanding or on awnings) in the event of damage by a covered cause of loss.
Employee Dishonesty
Part of Crime Coverage, Employee Dishonesty protects a business owner from loss of money or property as a result of employee theft.
Building Coverage
This insurance provides protection to the owner of the building structure in the event of damage by a covered cause of loss.
Workers' Compensation
This insurance, which is mandatory in most jurisdictions, covers employees for medical expenses and loss of wages as a result of an injury while on the job.
Employment Practices Liability
Protects employers from claims alleged as a result of violation of employment laws. Most common claims are sexual harassment, wrongful termination, discrimination, and wage and hour violations. Employment Practices are excluded from standard General Liability forms.
Usually a separate policy written through the US Government’s Flood Plan, this coverage is for any type of rising water claim that is not a result of damage first caused to allow the water in (ie roof damage). The peril of flood is normally excluded from standard Property Insurance.
Umbrella policies provide limits over underlying policies in order to increase the amount of coverage available. Umbrella policies usually can “go over” General Liability, Professional Liability, Employers’ Liability and Auto Liability. They usually follow the coverages and forms of the underlying policies and do not kick in until the underlying limits have been exhausted.

About Universal

Coverage designed with you in mind.

Universal Insurance has been providing comprehensive coverages to business professionals across the United States. The Arizona based firm was established in 1992 with the vision of providing specialized insurance programs to niche markets. To this day, Universal Insurance has a passion to help business owners by offering uniquely tailored insurance products.

Too often, entrepreneurs are over paying for insurance while having major gaps in coverages. The specific insurance needs for niche markets are better placed with customized programs.

Universal Insurance has a commitment to education and development in the insurance field as well as the specialty markets they represent. The staff at Universal Insurance travels nationally to attend tradeshows, hold seminars, and assist with risk management techniques.

Randy Tipton, President of Universal Insurance explains, “Our dedicated staff is extremely talented and we love what we do! We strive to provide the best coverages while reducing the overall insurance costs.”

Universal Insurance Programs LLC  |  1220 E Osborn Rd.  |    Phoenix, AZ 85014
Tel: 602.222.8300   |     Fax: 866.512.2272    |  Email: