Veterinary Practices Insurance
Coverage recommendations, carrier options, and cost estimates for insuring veterinary practices businesses. Built for independent agents quoting this class.
Recommended Coverages
Professional Liability
essentialClaims arising from professional errors, omissions, negligent acts, or failure to perform professional duties. Common claims include surgical error. Agent note: Professional liability (veterinary malpractice) is essential — emotional value of pets drives claims
$1M per claim / $2M aggregate is standard; higher limits for regulated professions
$500 - $3,000/year for low-risk professions; $3,000 - $20,000+ for attorneys, accountants, and healthcare
BOP
essentialBundles general liability, commercial property, and business income/extra expense into one policy.
$1M GL per occurrence / $2M aggregate; Property limits vary by business personal property and building values
$500 - $3,500/year for low-risk small businesses; $3,000 - $10,000+ for higher-revenue or higher-risk classes
GL
recommendedThird-party bodily injury, property damage, personal and advertising injury arising from business operations.
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Workers Comp
recommendedMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job. Agent note: Workers comp rates are elevated due to animal bite and scratch risk
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Based on payroll × class code rate × experience mod. Ranges from $0.50 to $30+ per $100 of payroll depending on classification
Bailee Coverage
situationalBailee Coverage provides specialized coverage tailored to the risks Veterinary Practices businesses face.
Varies by carrier and state
Varies by business size and risk profile
Risk Profile
Physical Risk
Liability Risk
Professional Risk
Property Risk
Top Risks
- Animal bite/scratch injuries
- Malpractice from treatment
- Animal escape from facility
- Controlled substance handling
- Emotional value claims from pet owners
Carriers That Write Veterinary Practices
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Broad appetite across most commercial classes with competitive package pricing. Strong multi-line capabilities — agents can bundle GL, property, auto, and umbrella under one carrier.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Cost Estimate
$5,000 - $25,000+ for businesses with $500K - $3M revenue
Key Pricing Factors
- Annual revenue ($500K - $3M is typical for this class)
- Employee count (5-20 is typical)
- Number of veterinarians
- Services offered (surgery, boarding, emergency)
- Exotic animal treatment
- Controlled substance protocols
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