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Veterinary Office Insurance

As a veterinary office, you're focused on keeping pets healthy, but running your practice means you also need to protect your business. From protecting your property and equipment to making sure your employees are covered in case of an injury, business insurance can help you stay protected from the unexpected.

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General Liability
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BOP
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Professional Liability
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Workers Compensation

General Liability Insurance for Veterinary Offices

What It Covers

General liability insurance is a foundational piece of your coverage. It helps protect your business from third-party claims related to bodily injury, property damage, and more. Here's what it typically covers:

  • Each Occurrence: This is the max amount your policy will pay per incident. For example, if a client slips in your lobby and breaks their arm, general liability insurance can help cover their medical bills.
  • Damage to Rented Premises: If you lease your clinic, this protects you if you accidentally damage the property. Say an exam room floods due to a burst pipe—this coverage can help cover repairs.
  • Medical Expenses: Covers medical costs if someone is injured on your property, regardless of who’s at fault.
  • Personal and Advertising Injury: If another business sues you over a negative online review you posted about them (even if unintentional), this coverage helps with legal fees.
  • General Aggregate: The maximum your insurance will pay during the policy period for all claims.
  • Products/Completed Operations: If a procedure you performed causes harm after the fact, this part of your coverage kicks in to handle any claims.

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What’s Not Covered

However, general liability insurance doesn’t cover everything. Some exclusions include:

  • Employee Injuries: For that, you’d need workers’ compensation.
  • Professional Errors: This is where professional liability insurance, also known as malpractice insurance, comes in.
  • Intentional Damage: If you intentionally cause damage or injury, your policy won’t cover you.

Business Personal Property (BPP) Coverage for Veterinary Offices

Business Personal Property (BPP) insurance protects the things inside your office—your medical equipment, computers, and furniture. Anything that's essential to keep your practice running smoothly falls under this coverage.

Claim Example: Let's say there's a fire in your clinic, and some of your medical equipment and supplies are damaged. BPP would help replace the equipment and cover the costs, so you can get back to treating patients as soon as possible.

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Workers' Compensation for Veterinary Offices

Workers' compensation insurance is critical, especially in a veterinary office where your team is constantly handling animals. This coverage provides benefits if an employee is injured on the job, covering medical expenses and lost wages.

Claim Example: One of your vet techs is bitten by a dog during an exam and needs medical attention. Workers' compensation would cover their hospital bills and missed work time, ensuring your employee is cared for while protecting your business from costly injury claims.

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Why Choose USA Business Insurance?

USA Business Insurance offers tailored coverage for veterinary offices. Here’s why we're a trusted partner for your practice:

  • Over 15 years of experience in the insurance industry
  • Licensed in all 50 states with a fast and reliable policy setup
  • Flexible payment plans to match your budget
  • Access to over 240 carriers, ensuring you get the best price
  • Industry-specific expertise, so your policies are classified correctly
  • Specializes in vet practices, making sure your risks are covered properly

Get your custom insurance quote today and keep your veterinary office protected.

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