https://www.aaha.hubinternational.com/blog daily 0.75 2025-05-09 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511387030-5LI1E5QMVTQ2RY9S00A4/20140228_Trade+151_0046+1.jpg Risk Mitigation and Insurance Blog for AAHA Members | HUB International https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511440608-5BVMHVN4WR2I9YQV1WWR/Aro+Ha_0010+1.jpg Risk Mitigation and Insurance Blog for AAHA Members | HUB International https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511467879-K5J9BYNACHJVDV3BNSFU/Aro+Ha_0387+1.jpg Risk Mitigation and Insurance Blog for AAHA Members | HUB International https://www.aaha.hubinternational.com/blog/top-5-claim-drivers-of-the-aaha-business-insurance-program monthly 0.5 2023-05-22 https://www.aaha.hubinternational.com/blog/6-tips-to-protect-your-practice monthly 0.5 2023-05-22 https://www.aaha.hubinternational.com/blog/risk-management-resources monthly 0.5 2023-06-02 https://www.aaha.hubinternational.com/blog/reduce-your-risk-and-workers-compensation-costs monthly 0.5 2023-05-22 https://www.aaha.hubinternational.com/blog/lowstress-handling monthly 0.5 2023-05-22 https://www.aaha.hubinternational.com/blog/back-injuries monthly 0.5 2023-05-22 https://www.aaha.hubinternational.com/blog/reduce-employee-injuries monthly 0.5 2023-06-02 https://www.aaha.hubinternational.com/blog/common-insurance-mistakes monthly 0.5 2023-05-22 https://www.aaha.hubinternational.com/mobile-practice daily 0.75 2021-01-07 https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1604350496414-5DPZTFB897THZWU98NXX/image-asset.jpeg Mobile Practice | AAHA | HUB International - Mobile protection. 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. Each product protects an ambulatory practitioner. Mobile Loss of Income and Extra Expense If you are like many veterinarians, and your vehicle is your means to provide professional services, your business could be severely compromised should something happen to it. The Business Insurance Program Mobile Loss of Income and Extra Expense endorsement responds when an insured vehicle is out of service due to a covered loss—such as a collision. The insurance provides reimbursement for lost income while the vehicle is being repaired or replaced. Only veterinarians who are insured through the Business Insurance Program have access to this coverage. https://www.aaha.hubinternational.com/home daily 1.0 2025-05-09 https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1601574913840-QMG4HYK4UZN7CRGVPAO6/shutterstock_336125378.jpg Home | AAHA | HUB International - Protecting your business is our business. The Business Insurance Program offers a wide variety of business insurance coverages to veterinarians like you. https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1601574953355-RU2CAZZC7ETKWZOMFHUX/shutterstock_410558158+-+greyhound+from+side.jpg Home | AAHA | HUB International - Stay in the loop with publications curated for you and your business. Our program newsletters and articles are curated for program participants and focus on business insurance and risk management topics. https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1601574993195-M8AGO7HLURJIPYKPPHEI/shutterstock_494495755.jpg Home | AAHA | HUB International - Safety is paramount. Let us help you maintain peace. In addition to valuable insurance solutions for your veterinary practice, the Business Insurance Program offers safety resources for you and your employees. Easy access to information and educational tools are key benefits for business success. https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511387030-5LI1E5QMVTQ2RY9S00A4/20140228_Trade+151_0046+1.jpg Home | AAHA | HUB International https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511440608-5BVMHVN4WR2I9YQV1WWR/Aro+Ha_0010+1.jpg Home | AAHA | HUB International https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618511467879-K5J9BYNACHJVDV3BNSFU/Aro+Ha_0387+1.jpg Home | AAHA | HUB International https://www.aaha.hubinternational.com/safety-resources daily 0.75 2022-12-09 https://www.aaha.hubinternational.com/newsletters-and-articles daily 0.75 2021-01-07 https://www.aaha.hubinternational.com/flood daily 0.75 2021-01-07 https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1608230436642-6JNAFT5AACIGK504SYWJ/dog-flood.jpg Flood | AAHA | HUB International - Don’t wait on a sunny day. 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. https://www.aaha.hubinternational.com/about daily 0.75 2024-12-23 https://www.aaha.hubinternational.com/business-owners-package daily 0.75 2021-03-11 https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1604350291551-UIPXM9TWLMTG3JZBI7I0/Stocksy_txpd8bce853G2O200_Medium_1900577.jpg Practice Owners Package | AAHA | HUB International - Protect the core. This policy is designed to help keep your practice open so you can serve your clients. In addition to providing property and general liability coverages, this package policy also includes enhanced protection for damage to: Accounts receivable records Other valuable records and papers such as medical records Exterior signs Property off-premises and in-transit Perishables such as biologicals Exterior building glass Also provided is protection against: Loss due to employee dishonesty Loss of income from off-premises power interruption Damage caused by backup of water through sewers and drains Damage to buildings and contents caused by animals in your care, custody, or control https://www.aaha.hubinternational.com/workers-compensation daily 0.75 2021-01-07 https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1604350408364-LIKLXFVRWIJRYVKQ56GT/image-asset.jpeg Workers Compensation | AAHA | HUB International - Put us to work. Your employees are the strength of your business. Secure workers’ compensation coverage from an insurer that will treat your employees fairly and get them back to work as soon as they’re able. The Business Insurance Program workers’ compensation policy benefits include: Competitive premiums Standard employers’ liability limits of $500,000 (higher limits are available upon request) Payment plans with no finance charges Managed care available in many areas to help reduce claim costs Outstanding service Loss control and risk management services A highly trained and experienced claims-handling staff Group buying power Toll-free claim reporting number that means no forms to complete. (Workers’ compensation through the Business Insurance Program is not available in monopolistic states: North Dakota, Ohio, Washington, West Virginia, and Wyoming.) Assemble the following information when calling to request a quotation: The number of full and part-time employees and their duties The estimated combined payroll of your staff who handle animals The estimated combined payroll of staff who have no animal contact Your experience modification factor The last three years of claims history Your federal employer identification number https://www.aaha.hubinternational.com/products daily 0.75 2023-06-06 https://www.aaha.hubinternational.com/get-a-quote daily 0.75 2024-09-17 https://www.aaha.hubinternational.com/employment-practices-liability daily 0.75 2021-01-07 https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1608230312318-FHLB0QLAMTXSWUJKWMG0/labs-epli.jpg Employment Practices Liability | AAHA | HUB International - Practice protection. EPL coverage responds to allegations of: Wrongful termination Discrimination (race, religion, gender, age, or disability) Sexual harassment Unpaid overtime and breaks (wage and hour) The Business Insurance Program offers this important coverage through a leading EPL provider, CNA. This comprehensive policy provides coverage for: Complaints from current, former, or prospective employees Volunteers (expanded definition of employee) Third-party claims The policy has a duty to defend provision, which means the insurance carrier must provide a defense even if the allegations made are groundless and false. Transfer your risk and the legal fees to the insurance company. Furthermore, the policy benefits include punitive damages coverage. Most EPL policies exclude punitive damages. https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1608230107694-PJ22WLNWG2EM0PRQKN21/cat-epli.jpg Employment Practices Liability | AAHA | HUB International - H.R. Help Line Human Resources Consulting Advice for Policyholders at No Additional Cost Policyholders can receive human resources consulting advice through the H.R. Help Line, which is provided by a national law firm that specializes in employment law. The attorneys who service the H.R. Help Line do not act as legal counsel to callers, but rather as human resources consultants, providing information regarding employment laws and risk control strategies. For example, callers can receive guidance about the impact of certain employment laws upon their workplace, and general information about the implementation of human resources policies and procedures. Please note that the H.R. Help Line can not provide legal advice pertaining to specific personnel decisions. https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1608230191942-XFYPRQ9PCHVG274ZMSNU/dog-epli.jpg Employment Practices Liability | AAHA | HUB International - Additional Resources The National Labor Relations Board (NLRB) Website NLRB and Social Media Fact Sheet Beyond HR (resources available to CNA policyholders only - your policy number is required to register) https://www.aaha.hubinternational.com/emergency-clinics daily 0.75 2021-01-07 https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1604350671733-05Z9YUN4BMEUB2AEEI43/shutterstock_321763448.jpg Emergency Clinics | AAHA | HUB International - Protection from the gap. If you are a shareholder of an emergency clinic, 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, the Business Insurance Program offers Directors and Officers Liability to protect board members from suits brought against them for their actions. https://www.aaha.hubinternational.com/newsletters-and-articles/business-insurance-newsletters daily 0.75 2022-03-25 https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1643754861450-333UH4U02M46DHN3EQH2/septermber-2021-newsletter-hub-aaha_Page_1.jpg Business Insurance Newsletters | AAHA | HUB International - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1601496063651-711GHOVQGJKCYMOPAVRD/2020+AAHA+Spring-LETTER_Page_1.jpg Business Insurance Newsletters | AAHA | HUB International https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1600892267167-UQPLK7N8EN68CDS7ZH4S/2018+AAHA+Fall+Newsletter_Page_1.jpg Business Insurance Newsletters | AAHA | HUB International https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1600892151182-0WZKNWC5ZZ3BNFK5IHQT/AAHA+Cyber_Page_1.jpg Business Insurance Newsletters | AAHA | HUB International https://www.aaha.hubinternational.com/report-a-claim daily 0.75 2020-12-17 https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1604352562960-JT433S4H09Q6PQDWEOSQ/jon-s-b4BLUYKLzP4-unsplash.jpg Report a Claim | AAHA | HUB International - Reporting Tips To help expedite your claims process, prepare as much information as possible (see claim tips below). Do not, however, delay reporting your claim if all the information is not available. Automobile Claims Business General Liability Claims Business Property Claims Workers’ Compensation Claims https://www.aaha.hubinternational.com/article-archive daily 0.75 2023-10-12 https://www.aaha.hubinternational.com/safety-resources/safety-posters daily 0.75 2025-09-17 https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1600893986497-UGX3FGX2IHNIHLB3DDI5/CAUTION+-+Pets+on+Leash+or+in+Carrier.jpg Safety Posters | AAHA | HUB International https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1600894007735-5I3U0TCFAKY5MP57RE1Y/CAUTION+-+Inhalant+Anesthetics.jpg Safety Posters | AAHA | HUB International https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1600893791460-8A2UAZN7KB2I5XXN1EOY/WARNING+-+Biohazard.jpg Safety Posters | AAHA | HUB International https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1600893861779-SU1E09BIXXPHU5P644DN/image-asset.jpeg Safety Posters | AAHA | HUB International https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1600893742873-3IQK9YS3LW7485DPZQ8T/CAUTION+-+Equipment+Produces+Radiation.jpg Safety Posters | AAHA | HUB International https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1600893963864-AK3OQ67LOO9GBBEOKU3J/DANGER+-+Laser+Radiation.jpg Safety Posters | AAHA | HUB International https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1600894037034-W5CKT2DGCFEHRM5EI87N/CAUTION+-+Radiation+%26+Pregnancy.jpg Safety Posters | AAHA | HUB International https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1600893815658-D09XFECLW23AF00TB3N8/NOTICE+-+Gates+and+Doors+Closed.jpg Safety Posters | AAHA | HUB International https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1600893850562-MLZPC5QEU64PRG9FIM5L/NOTICE+-+Turn+Off+Phones.jpg Safety Posters | AAHA | HUB International https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1600893843031-RINVOBFZKVT8DPHR5QPV/NOTICE+-+Authorized+Personnel+Only.jpg Safety Posters | AAHA | HUB International https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1600893944828-7E50RNVAY44QGFN2S6EN/CAUTION+-+Radiation+Patient+Waste.jpg Safety Posters | AAHA | HUB International https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1600894019420-963IN0DGUR1OMO2K32V2/NOTICE+-+Sedated+and+Anesthestized+Patients.jpg Safety Posters | AAHA | HUB International https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1604352451972-YYRH6HTXZ6B4KVU0Z9E9/tadeusz-lakota-I-ti5nLU2Cc-unsplash.jpg Safety Posters | AAHA | HUB International - Additional Resources AAHA Membership Store AAHA Press—the publishing arm of the association—is an internationally regarded publisher and distributor of titles for veterinary care providers and pet owners. Specializing in user-friendly references in a variety of formats, AAHA Press publishes materials pertinent to the practice of companion animal medicine including safety and loss control information on staff training, practice management, and OSHA. Safety Resources Job Safety Analysis Form Sample Drug-Policy Statement and Model Is Your Practice Vulnerable to Employee Drug Abuse? Government Resources Occupational Safety and Health Administration (OSHA) Food and Drug Administration (FDA) Centers for Disease Control and Prevention (CDC) United States Department of Agriculture (USDA) Environmental Protection Agency (EPA) https://www.aaha.hubinternational.com/trevor-devries daily 0.75 2022-03-29 https://www.aaha.hubinternational.com/aaha-con-2025 daily 0.75 2025-07-24 https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1629227068045-GUX7H3IIJTZQXQF1VTBJ/devries.JPG AAHA Con 2025 https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/90f2cdd4-bec8-4c01-82c8-e8d9886e7467/1668710360992.jfif AAHA Con 2025 https://www.aaha.hubinternational.com/cyber-and-data-breach daily 0.75 2025-09-17 https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1686078895249-D7X9UXSFAPKHHY77B8J0/image-asset.jpeg Cyber and Data Breach - What is Cyber Insurance and why is it important? Cyber insurance, also known as cybersecurity insurance, is a type of business liability insurance that protects your business against cyber security risks and data breaches. Cyber insurance can help restore employee and customer identities, recover compromised data and repair damaged computers and networks, whether your business is the victim of a data breach, social engineering, ransomware or phishing attack. You could be at risk for a cyberattack. A staggering number of small and medium-sized organizations 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. And if your systems or data are compromised, it can put you out of business or cause a significant financial loss. https://www.aaha.hubinternational.com/personal-umbrella-excess daily 0.75 2025-09-17 https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1686078802659-00K5ZKEFM1PVTJKULCPU/image-asset.jpeg Personal Umbrella Excess - What is Umbrella Excess coverage so important? 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. A Personal Umbrella policy provides extra liability protection by extending the limits of your auto, home or boat policies. Should you be named in a lawsuit, a personal umbrella policy will cover defense costs, attorney fees and other charges associated with a lawsuit that exceeds the limits of your basic policies. Owning several homes, having multiple drivers, a trampoline or employing domestic staff all increase your risk of being targeted in a lawsuit. Affluent families and individuals are especially vulnerable. The greater the wealth, the more likely you are to be targeted in a lawsuit. Did you know that if the judgment or settlement extends beyond your current assets and insurance limits, you could be required to pay based on your potential, future earnings? Anyone with established assets will benefit from a $1M to $10M Personal Umbrella policy. https://www.aaha.hubinternational.com/commercial-auto daily 0.75 2025-09-17 https://images.squarespace-cdn.com/content/v1/5f6a418b4bdf0d172cdc81d8/1686078985478-ITH3J0CE4RWDEOOHYMPI/image-asset.jpeg Commercial Auto - Coverage that works for you. From medical vans to standard company cars, you rely on your vehicles to keep your day-to-day operations running smoothly. 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. HUB advisors are experienced with the transportation industry in securing commercial auto and fleet insurance veterinary hospitals. And, we work with you to create a commercial auto insurance policy that offers the right amount of coverage for: Property damage Bodily injury Physical damage caused by fire, hail and other risks In addition, we offer auto warranties, road service and auto insurance discounts for your drivers.