Specialty Coverage

Veterinary & Animal Care Insurance

Protecting those who care for our animal companions.

Veterinary practices face unique risks that standard professional liability policies don't fully address. From malpractice claims to animals injured in your care, you need specialized coverage from carriers who understand animal healthcare. We work with insurers who specialize in veterinary and animal care coverage.

Get a Veterinary Insurance Quote

We'll review your practice and provide tailored coverage options

Animal Care Businesses We Insure

Small Animal Practices

Dogs, cats, and companion animal care

Large Animal Practices

Equine, bovine, and farm animal care

Mixed Practices

Both small and large animal services

Emergency & Specialty Clinics

24-hour emergency and specialist care

Mobile Veterinary Services

Farm calls and mobile clinics

Animal Boarding & Grooming

Kennels, daycares, and grooming facilities

Coverage Options for Veterinary Practices

Professional Liability (Malpractice)

Essential

Covers claims of veterinary negligence, misdiagnosis, surgical errors, or improper treatment. Defends against lawsuits even when allegations are unfounded.

Learn more about professional liability (malpractice)

Care, Custody & Control

Essential

Covers injury or death to animals in your care. Standard liability policies exclude this—essential for any practice that boards or houses animals.

Learn more about care, custody & control

Property Coverage

Essential

Protects your building, medical equipment, surgical instruments, X-ray machines, and supplies against fire, theft, and damage.

Learn more about property coverage

General Liability

Essential

Covers third-party bodily injury and property damage claims. Essential for client injuries, animal bites to visitors, and property damage.

Learn more about general liability

Workers Compensation

Essential

Required for employees. Veterinary workers face unique risks including animal bites, needle sticks, and exposure to zoonotic diseases.

Learn more about workers compensation

Equipment Breakdown

Covers sudden failure of expensive diagnostic equipment, anesthesia machines, and refrigeration units storing vaccines and medications.

Learn more about equipment breakdown

Cyber Liability

Covers data breaches affecting client records and payment information. Veterinary practices maintain sensitive client data.

Learn more about cyber liability

Commercial Auto

For mobile vets and practices with vehicles—covers liability and physical damage for farm call vehicles and mobile units.

Learn more about commercial auto

What We'll Need to Know

To provide accurate quotes for veterinary practices, carriers typically ask about:

Types of animals treated (species and percentages)
Services offered (surgery, dentistry, boarding, grooming)
Number of veterinarians and support staff
Annual revenue by service type
Boarding capacity and average occupancy
Equipment schedule with values
Building ownership or lease details
Claims history for the past 5 years
Security and safety protocols
DEA registration and controlled substance handling

Real-World Claims Examples

Understanding how veterinary coverage works when you need it:

Surgical Complication

A dog dies during routine surgery, and the owner claims negligence. Professional liability covers defense costs and any settlement.

Boarded Animal Escape

A cat escapes from your boarding facility and is hit by a car. Care, custody & control coverage pays the claim to the devastated owner.

Client Bite Injury

A client is bitten by another patient in the waiting room while you have temporary custody. General liability covers their medical expenses.

Medication Error

A technician dispenses the wrong dosage, causing adverse effects. Professional liability covers the treatment costs and potential lawsuit.

X-Ray Machine Failure

Your digital X-ray system fails suddenly during a busy Monday. Equipment breakdown coverage pays for emergency repair and rental equipment.

Let's Protect Your Veterinary Practice

Veterinary insurance requires understanding both professional liability and the unique risks of animal care. Let's discuss your practice and find coverage that protects you, your staff, and the animals you treat.

Call 304-636-0899