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“I have referred you to many of my colleagues”

- San Francisco, CA

Veterinary Professional Liability Insurance

Tailored for veterinarians and animal services, this program provides comprehensive coverage, flexible policy options, and expert claims defense to safeguard your practice against unexpected liabilities.

Why Choose Us?

  • License Defense Coverage: Protects your professional license against administrative actions.

  • Animal Bailee Coverage: Safeguards against loss or injury of animals in your care.

  • Consent to Settle Clause: Retain control over how claims are managed and settled.

  • No “Hammer” Clause: Prevents the insurer from using financial leverage to force a settlement against your wishes.

  • Multiple Limits of Liability Options: Customize your coverage to fit your practice size and risk profile.

  • Ease of Recordkeeping: Manage a single policy for individual or group practices with ease.

  • Embryo and Semen Coverage: Covers specific reproductive services.

  • Defense Paid Outside of Policy Limits: Maintain coverage even when legal fees add up.

Tailored Coverage for All Types of Veterinary Practices

We offer a scalable and adaptable policy structure that suits any veterinary practice, from individual veterinarians to multi-location, multi-state group practices.

Practice Types We Serve:

  • Small Animal Practices: Includes companion animals, exotic mammals, amphibians, avian, and reptiles.

  • Mixed Animal Practices: Combines small animal and equine care.

  • Large Animal Practices: Coverage for bovine, porcine, poultry, and other large animals.

  • Equine Practices: Specialized policies for veterinarians focused predominantly on equine care.

Exclusive Benefits

Our policies include several unique features to ensure you're adequately protected:

  • Occurrence-Based Policy: Coverage for claims arising from incidents during the policy period, regardless of when the claim is filed.

  • Admitted Insurance Company: Rated A+ Superior XV by AM Best for superior financial stability.

  • Nationally Recognized Defense Firms: Access to experienced veterinary litigation experts to defend against frivolous claims.

We are committed to delivering superior protection for veterinary professionals with customizable coverage that addresses the unique risks of your practice. With no membership dues or hidden fees, our Veterinary Professional Plus+ program provides top-tier protection with transparency and flexibility.

“You lived up to your name, Johnny-on-the-spot”

- Redwood City, CA

General Liability & BOPs

What is covered?

General liability insurance protects your business from claims related to bodily injury, property damage, personal injury, and false advertising.

What is a BOP?

A Business Owner’s Policy combines general liability and commercial property coverage, making it ideal for protecting businesses with a physical location, equipment, inventory, and/or customer interactions.

Example of a claim:

A client slips on a wet floor in your office, sues for medical expenses, and your insurance covers the costs and legal fees.

“I wish I found you sooner. Thanks for answering all my questions”

- San Jose, CC

Cyber Liability

What is covered?

A wide range of cyber threats, including data breaches, ransomware, extortion, data restoration, and business interruption. It also covers liability costs for third-party claims, regulatory fines, and penalties related to privacy laws. Additionally, it can cover expenses associated with public relations and media liability following a cyber incident​.

 

Who needs it?

Any business that handles sensitive customer data, relies on digital systems, or faces potential cyber threats should consider cyber insurance. This includes small to medium-sized businesses, healthcare organizations, financial institutions, and retail companies, all of which are at high risk of cyberattacks​.

 

Example of a claim:

A company might experience a ransomware attack where hackers encrypt their data and demand a ransom for its release. The insurance policy would cover costs related to negotiating and paying the ransom, recovering lost data, and any business interruption that occurred during the incident. It may also cover liabilities if sensitive customer data was compromised.

“Your process was painless”

- Practice Manager in CA

Workers Compensation

What Is Workers' Compensation Insurance?
Workers' compensation insurance provides financial benefits to employees who suffer work-related injuries or illnesses, covering medical expenses, lost wages, and more.

Do I Need Workers' Comp Insurance?
Most states require workers' comp insurance for businesses with employees. It helps cover work-related injury claims.

How is the Premium Calculated?
Premiums are based on factors like industry, payroll, and claims history.

What is the Cost of Workers Comp for Veterinarians?

The average rate in CA is 1.43% of payroll.

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