Veterinarian Business Insurance

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Why Veterinarians Need Business Insurance

People entrust veterinarians with the care and well-being of their beloved pets. Most people consider their pets to be family and depend on your veterinary expertise for their animal’s absolute well-being. In addition to the typical risks many small businesses face, like property damage or loss of important business files and records, the complexities of running a veterinary practice can expose your business to unique vulnerabilities. Learn about the veterinary insurance coverages businesses like yours typically need, and most often purchase, from The Hartford.

Business Owner’s Policy

Most veterinary businesses have a Business Owner’s Policy (BOP). Why? Because a Business Owner’s Policy for veterinarians protects your business in much the same way a homeowner’s policy protects your home and personal belongings. 
By combining three essential coverages that are imperative to almost every small business, a Business Owner’s Policy can save your veterinary practice money on insurance rates while protecting your veterinary office.
  1. General Liability – helps protect your veterinary business from certain lawsuits alleging injuries or property damage that occurred as the result of your veterinary business’s operations, like if a pet owner falls, bumps their head on an exam table and sustains a head injury in your office or an employee causes damage to a pet owner’s dog crate. It even helps cover certain claims of slander and libel against your veterinary practice. Business Liability does not cover liabilities directly arising out of the professional veterinary services you may provide.
  2. Commercial Property - helps protect the work place where you conduct your veterinary business and the tools and equipment you use to practice your profession, like medical carts and exam tables or surgical and diagnostic tools - whether you own or lease them.
  3. Business Income – helps cover the loss of income when you can’t run your veterinary practice because of covered property damage.
Learn more about our Business Owner’s Policy for your small veterinarian business.
Easily Add Optional Insurance Coverages to a Business Owner’s Policy
You know how easy it can be to make a mistake around energetic or nervous animals. You can be sued for damages and expenses, errors and omissions, resulting from the veterinary services you provide or the failure of your services to perform as intended, even if you’ve done nothing wrong. If you are sued, Professional Liability Insurance can help provide your veterinary practice with financial protection and help cover the cost of your defense.
Learn More About Errors and Omissions Insurance
Any business that stores personal and confidential information about customers, clients and employees may be targeted by data thieves. If you suspect that your veterinary business has fallen victim to a data breach, The Hartford's Data Breach insurance coverage may help cover the costs to handle it. For example, you may incur significant costs to notify clients and employees and perhaps to provide them identity protection services.
Have you thought about what could happen if an animal in your care suffers an injury, passes away, or disappears? When an animal is accidentally injured or lost, Animal Bailee Coverage can help pay expenses, including medical bills and advertising and reward costs to help you search for and recover a lost or stolen pet. This option can also provide coverage if you need to move animals under your care to a temporary location to help safeguard them from covered loss or damage.
Due to the ever-present abundance of animal hair a fur at their workplace, veterinarian businesses may be vulnerable to property damage caused by clogged drains. If the drains in your veterinary business become clogged and overflowing water causes property damage, Backup of Sewers and Drains Insurance may help cover the costs.
It’s possible for current or former employees to issue claims of wrongful termination, retaliation, harassment and discrimination against their employer. For example, if a group of employees bring suit claiming your veterinary business allowed a hostile work environment to persist, EPL may help cover the legal expenses required to defend the claim.
Bundle Insurance Coverage for Veterinarian Businesses
It’s easy to increase your veterinary practice’s Business Owner’s Policy protection at an affordable price with The Hartford’s Stretch® endorsements that bundle valuable key coverages. For veterinarians we offer:
  • Basic Stretch
  • Super Stretch
  • Super Stretch for Vets
  • Super Stretch Plus for Vets
  • Stretch for Medical Services1
  • Super Stretch for Business Services
Contact an agent or a representative from The Hartford about these cost-effective solutions that help take the guesswork out of selecting the right coverage for your veterinary business.
1Only applies to Veterinarians and Animal Hospital classes. 

Additional Solutions

If you have employees, use a car for work, or work from home, your veterinarian business may also benefit from:
Other Important Insurance Options for Veterinarian Businesses
This insurance is required by most states and provides benefits to your veterinary practice’s employees, including vet techs, receptionists, and assistants for work-related injuries or illnesses including medical care, wages from lost work time, and more. And if the employee’s family or relatives elect to sue you, coverage can help you with related legal fees. Businesses have been turning to The Hartford for workers’ compensation insurance coverage for more than a century. 
Do you use your car to attend veterinary symposiums, transport pet patients to imaging centers, or pick up medical supplies for your veterinary business? A Business Auto Policy provides coverage generally not found in a personal auto policy. It can cover you or an employee when a personally owned vehicle, used for business purposes, is involved in an accident. 
If you run your veterinary practice out of your home, you probably want a Business Owner’s Policy (BOP). A Business Owner’s Policy provides coverage not generally available with a homeowner’s policy. 
Ask yourself, “Do I have patients staying at my home, do I meet pet owners at my house, or do I receive or store supplies there, or perform small business tasks from my home?” If so, your agent or a representative from The Hartford can help you select the right coverage to protect your veterinary practice
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.