Veterinary Services Insurance
Veterinary Services Insurance
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Why Veterinarians Need Business Insurance
People entrust veterinarians with the care and well-being of their beloved pets. Most people consider their pets to be family and depend on your veterinary expertise for their animal’s absolute well-being. In addition to the typical risks many small businesses face, like property damage or loss of important business files and records, the complexities of running a veterinary practice can expose your business to unique vulnerabilities. Learn about the veterinary insurance coverages businesses like yours typically need, and most often purchase, from AmeriAgency Insurance.
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Business Owner’s Policy
Most veterinary businesses have a Business Owner’s Policy (BOP). Why? Because a Business Owner’s Policy for veterinarians protects your business in much the same way a homeowner’s policy protects your home and personal belongings. By combining three essential coverages that are imperative to almost every small business, a Business Owner’s Policy can save your veterinary practice money on insurance rates while protecting your veterinary office.
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- General Liability – helps protect your veterinary business from certain lawsuits alleging injuries or property damage that occurred as the result of your veterinary business’s operations, like if a pet owner falls, bumps their head on an exam table and sustains a head injury in your office or an employee causes damage to a pet owner’s dog crate. It even helps cover certain claims of slander and libel against your veterinary practice. Business Liability does not cover liabilities directly arising out of the professional veterinary services you may provide.
- Commercial Property – helps protect the workplace where you conduct your veterinary business and the tools and equipment you use to practice your profession, like medical carts and exam tables or surgical and diagnostic tools – whether you own or lease them.
- Business Income – helps cover the loss of income when you can’t run your veterinary practice because of covered property damage.
