Business Insurance for Vets and Veterinary Practices

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Why do veterinarians and animal hospitals need insurance?

In a life or death situation involving a client’s beloved pet, emotions can run high and lawsuits are a major risk. Veterinary insurance can help cover legal fees, medical bills, and other costs stemming from malpractice claims, dog bites, and other incidents that could escalate at your small practice.

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Find the right coverage

Insureon helps professionals in veterinary medicine find insurance that matches your unique risks.

Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.

What types of insurance do veterinarians and veterinary practices need?

These insurance policies cover the most common risks of pet healthcare.

General liability insurance icon

General liability insurance

A general liability policy covers basic third-party risks, such as a dog biting a customer. Bundle it with property insurance for savings in a business owner’s policy.

  • Pet injuries
  • Customer injuries
  • Customer property damage
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Business owner's policy

A BOP bundles commercial property insurance and general liability insurance under one plan. It’s one of the most cost-effective types of vet insurance.

  • Pet injuries
  • Customer injuries
  • Damaged or stolen business property
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Professional liability insurance

This policy covers legal expenses related to work performance, such as a pet owner who sues over a missed appointment. It's also called errors and omissions insurance (E&O).

  • Mistakes that lead to pet injury
  • Failure to deliver promised results
  • Accusations of negligence
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Workers’ compensation insurance

Most states require workers' comp for veterinary practices that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Employee benefits for disabilities
  • Lawsuits over employee injuries
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Cyber liability insurance

This policy helps vets and animal hospitals recover financially from data breaches and cyberattacks. It's recommended for any small business that stores customer information.

  • Customer notification costs
  • Fraud monitoring services
  • Data breach investigations
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Commercial auto insurance

Commercial auto insurance covers the cost of an auto accident involving a vehicle owned by an animal hospital or veterinary clinic. Each state has its own auto liability insurance requirements.

  • Property damage caused by your vehicle
  • Auto accident injuries
  • Vehicle theft and vandalism
Looking for different coverage? See more policies.

How much does pet care business insurance cost?

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A small veterinary practice will pay less for insurance than a large animal hospital.

Factors that affect the cost of commercial insurance include:

  • Services offered, such as dog walking or veterinary care
  • Kennels and other business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get veterinarian and animal hospital insurance?

It's easy to get veterinary services business insurance and fidelity bonds if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for DVMs and veterinary practices, whether you work independently or hire employees.

What our customers are saying
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"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
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"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
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