(888) 900 0205Animal Hospital Insurance
Running an animal hospital or clinic comes with unique challenges. Having the right animal hospital insurance policy helps address common issues like property damage, medical liability, and other risks tied to treating animals. Whether you’re working with family pets or larger animals, securing proper coverage is essential to keeping your business protected.
What's Recommended for Animal Hospitals
Animal hospitals typically need a variety of coverages to protect their business, such as:
- General Liability Insurance: Covers third-party injuries and property damage.
- Professional Liability Insurance (Malpractice): Protects against mistakes made during treatment that harm animals.
- Property Insurance: Covers damage to your clinic’s equipment and building.
- Workers' Compensation: Helps with medical costs and lost wages if an employee is injured on the job.
Claim example: A dog is injured during surgery due to an error in dosing anesthesia. Professional liability insurance would cover the costs related to this mistake.
General Liability
General liability insurance for animal hospitals protects your clinic from common risks, like accidents involving clients or their pets. If a client slips and falls in your clinic or a pet damages a customer's property, this coverage helps cover legal fees, medical costs, and any settlements.
It’s essential for keeping your business safe from unexpected incidents that can lead to expensive lawsuits or claims.
Professional Liability
Professional liability insurance, often called malpractice insurance, is critical for animal hospitals. It covers legal costs if a pet is harmed due to a mistake in treatment, misdiagnosis, or negligence.
For example, if a vet administers the wrong medication or botches a surgery, this coverage helps pay for any resulting lawsuits or compensation claims. It protects your practice from costly errors that can happen during animal care.
Workers Compensation
Workers' compensation insurance is a must-have for animal hospitals, as it covers medical expenses and lost wages if an employee gets injured on the job.
Given the nature of the work—handling animals, operating equipment, or cleaning—it’s not uncommon for staff to experience injuries like bites, scratches, or even back strain from lifting heavy animals. Workers' comp ensures that your team is taken care of without putting your business at risk for costly claims or lawsuits.