Veterinary Office Insurance
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Veterinary office insurance to protect your business and assets.
As a veterinary office, you’re tasked with maintaining the health of your clients’ furry family members. This very important and highly-specialized responsibility creates a need for proper veterinary office insurance to cover your unique needs.
The risks of running a veterinary office.
Caring for animals is no easy task and the business of that care comes with very specific risks. Protecting your veterinary office by obtaining the proper insurance coverage is essential. To start, you need the basic policies that most businesses do. This includes general liability, commercial umbrella, and cyber liability. In addition, you’ll want to insure against losses that cause your business to temporarily shut down, which is why a business interruption policy should be strongly considered.
Addressing the specialized risks.
The equipment veterinarians need can range from mundane to very specific, but all of it must be insured. Replacing the high-value equipment needed for your practice can be quite costly and must be properly insured. If your office also boards, hospitalizes, or transports animals, animal bailee insurance can protect you in the event an unfortunate incident should occur resulting in injury to an animal. Simple business insurance just isn’t adequate to cover the risks veterinarians face.
Malpractice and license defense.
Any veterinary practice can be faced with a malpractice lawsuit or a complaint to the state licensing bureau. These claims must be defended, even frivolous and unfounded ones. This defense is likely to be expensive. Hiring attorneys who are familiar with specialized knowledge of veterinarians will be required. Veterinary office insurance is available to help pay for this. Additionally, should damages or fees be awarded, your veterinarian insurance policy will make the funds available.
Insurance for the people in your workplace, too.
There’s always a risk that employees can be injured on the job, and veterinary offices are no exception. Caring for animals, particularly sick or injured ones, can lead to someone getting bitten. Scalpels, needles, and other medical tools also carry the risk of injury. Workers’ compensation insurance is mandatory, but it’s important in that it can pay for the medical bills of an employee who gets hurt or sick on the job.
For more information about protecting your practice with veterinary office insurance, contact us today.