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Insurance Veterinarians Need to Protect Their Practice

As a veterinarian, you most likely need coverage for your building, your business personal property, the personal property of others in your care, liability and employee on-the-job injuries.

And that is probably just the beginning, because veterinarians face some pretty unique risks. Below are some common industry-specific risks that can help you think about insurance you may need. Not every insurer or policy offers coverage for each one, so it’s important to have at least an idea of what you need when you’re shopping for coverage.

The first two columns will give you an idea of insurance veterinarians need–while final column shares which protections Erie Insurance offers for your risks.

risks for vets

The Risk

Potential Problem(s)

How Insurance Can Cover You

As a licensed veterinarian, you err in administering drugs to an animal or misdiagnose an animal's illness.

A claim is made when the animal becomes sick or dies.

With Veterinarian Professional Liability coverage provided for damages incurred by the pet owner.

A complaint is submitted to a Veterinary Review Board claiming you were negligent or incompetent in administering care to an animal.

You incur legal expenses to defend yourself against these allegations.

For legal expenses due to disciplinary action (that occurs during the policy period) before the Informat Veterinary Review Board or the Formal Review Board. 1 2

Customers and pets could suffer injuries such as a dog bite.

The injured party claims you are liable for bodily injury sustained due to the dog bite.

For premises liability up to the occurrence limit for damages.

Animals in your care, custody or control or in transit in your vehicle, are injured or killed.

A claim is made when the animal requires medical care or dies.

For direct physical damage to the animals in your care, custody or control.

You lose medical records.

You are unable to justify a treatment or diagnosis to provide proof that a pet owner was provided care information about their pet.

For costs associated with recreating the records.

The Risk

As a licensed veterinarian, you err in administering drugs to an animal or misdiagnose an animal's illness.

Potential Problem(s)

A claim is made when the animal becomes sick or dies.

How Insurance Can Cover You

With Veterinarian Professional Liability coverage provided for damages incurred by the pet owner.

The Risk

A complaint is submitted to a Veterinary Review Board claiming you were negligent or incompetent in administering care to an animal.

Potential Problem(s)

You incur legal expenses to defend yourself against these allegations.

How Insurance Can Cover You

For legal expenses due to disciplinary action (that occurs during the policy period) before the Informat Veterinary Review Board or the Formal Review Board. 1 2

The Risk

Customers and pets could suffer injuries such as a dog bite.

Potential Problem(s)

The injured party claims you are liable for bodily injury sustained due to the dog bite.

How Insurance Can Cover You

For premises liability up to the occurrence limit for damages.

The Risk

Animals in your care, custody or control or in transit in your vehicle, are injured or killed.

Potential Problem(s)

A claim is made when the animal requires medical care or dies.

How Insurance Can Cover You

For direct physical damage to the animals in your care, custody or control.

The Risk

You lose medical records.

Potential Problem(s)

You are unable to justify a treatment or diagnosis to provide proof that a pet owner was provided care information about their pet.

How Insurance Can Cover You

For costs associated with recreating the records.

Other lines of coverage veterinarians should consider adding are: (1) protection for check, credit, debit or charge card forgery or alteration; (2) employee dishonesty and theft; (3) sewer and drain backup; (4) commercial auto; (5) data breach; and (6) business life.

As you can see, having the right insurance is important—and complex.* To get some peace of mind about your coverage, it’s important to speak with an insurance professional like an Erie Insurance agent. ERIE has a program that includes products and services specifically developed to provide veterinarians like you with the protection you really need. A local Erie Insurance agent can tell you more about it and give you a free quote.

*Please see our Important Notice.

1 Available via Veterinarian Professional Liability Endorsement at extra cost.

Additional coverages and limits available at additional cost.

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York).  The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of July 2022 and may be changed at any time. 

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions. 

The insurance products and services described in this blog are not offered in all states.  ERIE life insurance and annuity products are not available in New York.  ERIE Medicare supplement products are not available in the District of Columbia or New York.  ERIE long term care products are not available in the District of Columbia and New York. 

Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.

Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.