Critical business coverages for your veterinary practice.
Are you protected?
Business Owners Package
Your practice is far more than your job...it's your life's work. No one understands this better than your fellow veterinarians. That's why the Business Insurance Program is best able to help you protect the practice you've worked so hard to build. Why trust your practice to anyone else?
Workers’ Compensation
Your employees are the strength of your business. You’ll spend a great deal of time hiring and training them. Secure workers’ compensation insurance coverage from an insurer that treats your employees fairly and enables them to return to work as soon as they’re able.
Employment Practices Liability
Would you practice veterinary medicine without malpractice or fire insurance? Of course not. Employment practices liability (EPL) insurance is as important to a practice owner. EPL coverage responds to allegations of wrongful termination, discrimination or sexual harassment.
Emergency (Directors and Officers)
If you are a shareholder of an emergency clinic or a larger practice, you may have exposures that arise from business decisions made on behalf of your organization that are not covered by professional liability insurance. To cover this gap, we offer Directors and Officers Liability insurance to protect board members from suits brought against them.
Commercial Auto
While you do all you can to ensure that your fleet is properly maintained and that your employees arrive at their destinations safely and on time, unexpected weather events or road conditions, not to mention other drivers, can quickly turn routine trips into journeys that change the course of your business.
Mobile Practice Coverage
Mobile practices face similar exposures as fixed-location practitioners and essentially require the same products. In addition to professional liability, a mobile practitioner should secure a practice owner’s package, commercial auto, workers' compensation and employment practices liability. Your business depends on it.
Cyber and Data Breach
You could be at risk for a cyberattack. A staggering number of small and medium-sized organizations, including veterinary practices, get attacked each year — many without the support of cyber insurance coverage. What’s more, COVID-19 has upped the stakes, as remote working makes computer systems more vulnerable.
Flood
A key element in a veterinarian’s insurance portfolio is flood insurance. Anywhere it rains, there is a potential for flood damage. Physical damage to your property caused by flooding is excluded on all property policies and is only covered when you purchase a separate flood insurance policy. Call us and get peace of mind.
Personal Umbrella Excess
If someone is injured on your property, or because of an accident you caused, you’ll likely be held liable. And, what if the settlement or judgment costs you more than what your home or auto policy covers? How will you pay?
Standard homeowners and auto policies provide only minimal liability coverage, which can put the cumulative value of your home, vehicles, savings and investments at risk.