Business insurance for veterinarians

When the bite is a little worse than the bark, we’re here to help.

Why you need veterinarian’s insurance

Pets (like humans) can be a bit unpredictable. You just never know when an otherwise mild-mannered doggie is going to take a bite out of a customer in your waiting room. And vets can face many other risks and liabilities too. An animal could injure another animal or an employee, or one may escape or die while in your care. You never know.

That’s why whether you care for companion pets, farm or livestock animals, or you’re a veterinary specialist, it’s important to have business insurance that’s customized to the unique risks of your practice.

Veterinarian insurance coverage includes

As a veterinarian, you lavish great warmth and concern on the animals in your care, and you should do the same for your business. Our business owners policy for veterinarians offers a broad range of protection at surprisingly great rates.
  • General liability protects you against costly claims and lawsuits if a customer is injured while visiting your office.
  • Property insurance covers buildings and other structures you own as well as your office and veterinary equipment.
  • Accidental injury to animals pays for covered expenses resulting from injury to animals in your care or control.
  • Computer property give you broad coverage, with certain exclusions, for computer equipment used in your business operations, including computers, computer peripherals, computer cables, and software.
  • Loss of income protects your income and provides help for ordinary payroll expenses if your business is inoperable, for up to 12 months.
  • Spoilage covers the loss of food, medicines or other perishable goods caused by mechanical breakdown, power outage or refrigerant contamination.

Consider adding additional coverages

Depending on the number of employees you have, and other factors, what’s covered in your Business Owner’s Policy may not be enough.

A local State Farm agent can advise you on additional coverages you may need to protect your business.

Commercial auto

Commercial auto covers the cars, trucks, vans, and other vehicles used for business. If you have multiple vehicles, talk to a local agent about available options.

Professional liability

Professional liability protects you against costly claims or lawsuits resulting from the failure to correctly diagnose and treat diseases and injuries.

Veterinary form

Veterinary form pays for the value of an animal in the event of its death caused by a coverage loss while in your control.

Workers' compensation

Workers’ compensation helps protect your crew against work-related injuries or illness. Requirements for workers’ comp vary by state.

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia
recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.


Customizable insurance

We offer an array of coverage options that can be combined into one policy for you.


Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

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