Q: Can a pharmacist take out extra insurance due to extreme circumstances?
I know that insurance is only permissible in extreme cases. Would it be permissible for a Pharmacist to take out insurance which will protect her in case she was to get sued by a customer? The insurance is not necessary but if someone did sue it could involve huge costs.
الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب
A: Normally, it is not permitted to take out conventional insurance for the purpose described. However, if there is a very real environment of litigation and the potential claim would be unbearable, then to ward of such potential harm it would appear that there is some relaxation to the normal rule of prohibition.