Commercial industry
Veterinarian Insurance
A veterinary practice is a medical office whose patients can bite, whose boarded animals are bailee property, and whose equipment looks like a small hospital. Professional liability, animal bailee, clinic property, and cyber on client records are the four conversations. We place offices, not mobile-only large-animal practices, unless you tell us that is the book.
Boarding, grooming, and retail food change the file. If those are material, we schedule them instead of hiding them inside “clinic.” Washington staff stay with L&I; we place stop-gap and any competitive-state WC.
Risks we actually schedule
- Professional claims on treatment, surgery, or a missed diagnosis.
- Injury or death of a boarded or hospitalized animal — bailee, not GL.
- Bite and premises claims in the lobby and the parking lot.
- Breakdown of anesthesia, imaging, or lab equipment and a lost surgery day.
Frequently asked questions
Does GL cover a dog that dies in our kennel?
Usually not. Animals in your care need a bailee / animal-bailee grant. GL is the human who got bitten in the lobby.
Do you place veterinary professional liability?
We place or coordinate it where we have a market. Practice mix (small animal, mixed, equine) decides the tower. Tell us the split.
We also groom and board. One policy?
Usually, with those operations described and bailee limits set for the overnight population, not the average Tuesday.
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State page