Insurance for veterinary practices.

Veterinary malpractice, animal bailee coverage, general liability, and property for your equipment and drug stock, for small animal, mixed, and mobile practices.

What veterinarians usually carry

Veterinary professional liability
Animal bailee coverage
General liability
Equipment breakdown and spoilage
Property and business income
Workers’ comp
Commercial auto for mobile and farm calls

Watch for these in a veterinary policy

Animals in your careGeneral liability excludes property in your care, and the law treats animals as property. Animal bailee coverage answers when a boarded or groomed pet is hurt or gets loose.
Large animal and equine workHorse and livestock work is often excluded from a small animal policy or rated separately. List every species you treat.
Vaccines and drugsA failed refrigerator can ruin vaccines and medications. Many property policies exclude spoilage unless you add it.
Diagnostic equipmentDigital X-ray, ultrasound, anesthesia machines, and lab analyzers need equipment breakdown. Property coverage usually excludes an electrical failure.
Staff injuriesBites, scratches, and lifting injuries are common among vet staff. Workers’ comp pays them, and most states require it once you have employees.

What landlords, lenders, and shelters ask veterinarians for

Additional insuredLandlords, on general liability, for the clinic you lease.
Loss payeeLenders that financed your imaging equipment or build-out, on the property coverage.
Malpractice proofShelters and rescues that contract spay and neuter work often ask for your declarations page.

Questions veterinarians ask

Straight answers.

The questions we hear most, answered plainly.

Is a pet that dies during surgery a malpractice claim?

It can be, if the owner says your care fell below the standard. Veterinary professional liability defends you and pays a settlement or judgment up to the limit.

Does my policy cover a licensing board complaint?

Most veterinary policies include board defense, often with a lower sublimit. Unhappy owners file board complaints far more often than lawsuits.

Are house calls and farm calls covered?

Your professional liability follows you. The truck needs commercial auto, and equipment in the vet box needs an inland marine floater.

How fast can I get a certificate?

Once your policy is bound, you request certificates from your client login, with the wording your contract asks for.

Can I pay monthly?

Yes. Most policies can be paid in full or monthly.

Health and wellness

Don’t see yours? See every industry, or tell us what you do and we’ll quote it.

Gyms and fitness centers

General liability, Professional liability for trainers, Gym equipment and property

Yoga studios

General liability, Professional liability for instructors, Studio contents and build-out

Personal trainers

Professional liability, General liability, Products liability

Martial arts schools

General liability, Participant accident medical, Abuse and molestation coverage

Dance studios