Over the years, we’ve developed extensive veterinarian insurance expertise and understand the unique risks and skills needed to underwrite them. Our underwriters know what coverages are necessary to protect your business as a veterinarian. Let’s take a look at a few crucial coverages for veterinarians and how they apply to real-life examples:
Coverage for Animals
This endorsement provides $5,000 of coverage per occurrence for animals owned by your clients while in your care, custody, or control for treatment, boarding, or other veterinary services. Higher occurrence limits can be purchased. A $5,000 limit per animal applies. Additional limits of up to $150,000 are available.
- While a veterinary technician is walking a small dog back to the exam room after a blood test, another much-larger dog in the waiting area gets loose from his owner and attacks the small dog which subsequently dies in your care.
- Total Loss Paid $1,104
- Total Loss Paid $1,104
- A dog is taken outside to eliminate off-leash in a gated area, but someone left the gate open and the dog escapes right before closing for the night. You pay staff overtime to help search for the dog, as well as post printed fliers offering a reward. The dog is found by another party who claims the reward.
- Recovery Expense: $438
- Reward Expense: $500
- Total Loss Paid $938
- A fire breaks out at your clinic when it’s closed and staff is away. Most animals survive, but a few smaller ones do not.
- Total Loss Paid $2,900
Professional License Review Exposure
This endorsement provides coverage for expenses resulting from a professional license review conducted by a government bureau, board, commission, or department. Limit options of $5,000 or $25,000 are available.
- An owner gets lost trying to find the restroom and stumbles into the back kennel area where she witnesses what she believes are poor animal boarding conditions. She files an official complaint with the local examining board.
- Total Loss Paid $3,473
- Total Loss Paid $3,473
- A healthy cat comes in for a routine dental cleaning and dies unexpectedly while under anesthesia. The owner, both heartbroken and furious, reports you to the local examining board for further review.
- Total Loss Paid $1,425
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