Veterinary Office Liability Insurance

Owning veterinary offices allows you to earn a nice living while contributing to your overall local community. It allows you to provide care and services to local animals and pets and employ people in the surrounding area. Owning a business can be both rewarding and stressful at the same time. There are many details to keep track of including patients, payments, employee schedules, vendors and suppliers, your company assets and more. One way to ease your personal load is to protect your company with general liability insurance for veterinary offices.

Bodily Injury Coverage

While veterinary offices focus on animals as their primary patients, those animals are brought in by human beings. If one of the owners has an accident at your business premises they can be harmed physically. General liability insurance for veterinary offices includes bodily injury coverage to protect you from these types of incidents. When the person is injured and needs medical or emergency care, bodily injury pays those expenses.

Property Damage Coverage

Property damages protection works in a similar way to bodily injury coverage. It is included on your general liability insurance policy and it helps pay for repairs or replacements when a customer’s personal property is damaged at your place of business.

Products And Completed Operations Coverage

Veterinary offices sell products in addition to providing services. When your company sells a product, it can be held liable if that product causes harm or injury later. Products and completed operations coverage is the part of your general liability insurance for veterinary offices that protects you from these risks. It pays for repairs, damages or injuries that are caused by products you sold or services that you rendered.

Personal And Advertising Injury

Sometimes a customer, competitor, supplier or other entity will make legal allegations against your veterinary offices for harms of other types. A customer may, for example, claim that you used the image of their pet in your advertising without getting the proper licensing or authorization. Other examples of personal injury include claims of libel, defamation, slander and similar accusations. Personal and advertising injury coverage is the section of your general liability insurance that helps pay for the cost of your legal defenses and related costs when these issues arise.

Damage To Premises Rented To You

If your veterinary offices rents business facilities to use for business purposes, this section of your general liability policy is important. Whether you rent the offices that you run your business from or you simply rent buildings to use for kennel or pet daycares, the owner of the property that you rent may require your company to carry this coverage. Rental premises damages protects the structure or property that your company leases and rents in the event that you cause damages.

Medical Expense Limit

General liability insurance for veterinary offices can include additional injury protection for minor accidents. Medical expense limit coverage applies to small injuries even if your company is not responsible for them. It can pay for the medical costs associated with care for the injury. Paying for small injuries of this sort can help your company avoid having to face much larger or more expensive legal actions later.

Limits Of Liability Insurance

  • Each Occurrence – Your policy limits the total amount of benefits that are paid for each claim per person.
  • General Aggregate – Your policy will dictate a general aggregate amount, which is the combined total maximum limit of coverage for all incidents, individuals and claims.