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
- 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
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
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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