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Veterinarian Insurance
Customized veterinary insurance for pet caregivers
This coverage provided and serviced by affiliated and third-party insurers.. Read more
Insurance that understands your veterinary practice
From routine checkups to surprise surgeries, you work hard to keep pets happy and healthy. Progressive Commercial offers veterinarian insurance that helps protect your practice so you can focus on the safety, well-being, and comfort of the animals in your care.
What is veterinarian insurance?
Veterinary business insurance is a policy that protects core parts of your operation, including your building, equipment, visitors, and team. It can cover common risks in your clinic, such as customer injuries, employee accidents, property damage, and other unexpected issues that interrupt your work.
Explore all Progressive Commercial has to offer for veterinary insurance. You can review options at your own pace or work with our experts to build a policy that meets your specific needs. Give us a call or start a quote online to get coverage.
Why veterinary business insurance is important
Veterinary insurance matters because it helps protect your clinic from everyday challenges that happen outside of animal care. These issues can affect any practice, whether you're a small mobile vet or a large office.
Busy schedules, heavy foot traffic, and pet-related accidents can create unplanned problems for your team. When these concerns lead to property damage, customer injuries, and other claims, the costs can add up quickly. Veterinary insurance helps cover these risks so you can keep your attention on your clients.
Who needs veterinarian insurance?
If you diagnose, treat, and provide medical and therapeutic animal care, you should protect yourself with veterinary insurance. Common professions that can benefit from coverage include:
- Veterinarians
- Animal hospitals and clinics
- Veterinary surgeons
- Veterinary educators
- Mobile vet services
- Animal rehab specialists
If you're the sole proprietor of a mobile clinic or run a large LLC with multiple animal hospitals, the insurance specialists at Progressive Commercial can help you find the right coverage.
Does your vet practice need a certificate of insurance (COI)?
Some veterinary practices need certain coverages to meet basic business or licensing requirements. You may be asked to show proof of veterinary liability insurance when applying for professional certifications or leasing a clinic space.
If you have a policy with Progressive Commercial, we make it easy to request and get a COI. This document summarizes your policy details so you can share proof of insurance whenever you need to.
Types of veterinary insurance
Your clinic works hard to support pet owners. The right mix of insurance coverages can help protect your business in return. Consider the following types of insurance to see what fits your needs.
General liability (GL)
Covers third-party injury and property damage
General liability (GL)
Covers third-party injury and property damage
General liability insurance helps protect you if a customer gets injured or their personal property is damaged because of your business. It also covers personal and advertising injury claims, such as libel or slander.
Example: While walking in the waiting room, a pet owner trips over a welcome mat and hurts their arm. If they make a claim, GL can pay for their medical treatment and your legal costs.
Business owners policy (BOP)
One flexible policy for liability and property coverages
Business owners policy (BOP)
One flexible policy for liability and property coverages
A business owners policy combines liability, commercial property, and business income coverage in one convenient package. You can also add other protections to your BOP for things like equipment breakdown and employment practices liability.
Example: Severe winds cut power to your building for three days, forcing you to cancel all upcoming appointments. A BOP with business interruption protection can help offset lost revenue and payroll expenses.
Professional liability
Protects your practice from claims of negligence and other mistakes
Professional liability
Protects your practice from claims of negligence and other mistakes
Veterinary professional liability insurance protects your practice from claims related to mistakes, oversights, or miscommunication. This coverage, also called errors and omissions (E&O) insurance, is especially important if a client claims your mistake caused them a financial loss.
Example: A staff member accidentally enters the wrong appointment notes, causing a scheduling error that led to a client complaint. Professional liability can pay for legal defense and settlement costs if the pet owner decides to sue.
Workers' compensation
Supports employees with on-the-job injuries
Workers' compensation
Supports employees with on-the-job injuries
Workers' compensation insurance helps cover medical expenses and lost wages for staff members who get injured or sick because of work. Most states require businesses with employees to carry it. Learn more about workers' comp requirements in your state to see what you need.
Example: A vet tech slips and breaks their arm while performing a routine wellness check on a cat. Workers' comp can help pay for their treatment and cover a portion of their lost wages until they can return to work.
Cyber
Safeguards digital data against cyber threats
Cyber
Safeguards digital data against cyber threats
Like most modern clinics, you probably rely on online tools for billing, scheduling, and maintaining animal medical records. Cyber insurance helps you recover quickly from digital disruptions like a data breach.
Example: A fake email link sent to your practice triggers malware that encrypts your files. Cyber insurance can pay to investigate the issue, restore the files, and notify your customers.
Commercial auto
Provides reliable coverage for your business vehicles
Commercial auto
Provides reliable coverage for your business vehicles
If you use vehicles in your vet practice, whether a mobile care unit or a supply van, you probably need commercial auto insurance. This coverage pays for injuries or damages to others if you cause an accident. You can also add other auto coverages, like collision, that can help with damage to your vehicle.
Example: While picking up supplies in the clinic's van, one of your vet technicians accidentally hits another vehicle. Vehicle liability coverage on a commercial auto policy can cover the other driver's medical bills and car repairs.
Not all vet injuries are animal-related
Non-animal incidents like slips and falls, lifting heavy equipment, or chemical exposure, can affect you, your staff, and pet owners. Progressive Commercial can help make sure you have the right protection for your specific risks.
How much does veterinary insurance cost?
Veterinarian insurance costs depend on your overall risk. Factors that can impact your business insurance premium include:
- Business size
- Location
- Types of animals you treat
- Services you offer
- Claims history
- Coverage choices
- Insurance limits
- Deductibles
Your commercial auto insurance price is calculated separately. If you need both business insurance and commercial auto coverage, you may qualify for a multi-product discount on your commercial auto policy. Explore our flexible coverages, deductibles, and insurance limits to find a plan that works for you.
Why choose veterinarian insurance through Progressive Commercial
For over 50 years, small business owners like you have trusted Progressive Commercial to provide affordable, reliable, customized insurance solutions. Speak with one of our specialists or start a quote for a veterinary insurance policy tailored to you.
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