(888) 900 0205Professional Liability Insurance (PLI) For Veterinary Offices
Professional Liability Insurance (PLI) is designed to protect professionals and businesses from claims of negligence, malpractice, or other risks tied to the services they provide.
As a veterinarian, you’re offering medical expertise and care for animals, which means PLI is essential. This insurance safeguards your practice and finances if something goes wrong.
What Does Veterinary Office Professional Liability Insurance Cover
PLI covers a wide range of risks you might face while running a veterinary office. Here are a few key areas:
- Legal fees: If a client sues you, PLI covers the cost of hiring an attorney.
- Settlements and judgments: If the case results in a settlement or judgment, your policy helps with those costs.
- Claims like negligence and malpractice: It provides financial protection if your services are accused of causing harm to a pet or financial loss to a client.
Example: If a pet dies after a routine surgery and the owner claims negligence, a BOP (Business Owners Policy) could help pay for legal costs and a possible settlement.
Who Needs Professional Liability Insurance? Veterinary Offices
Professional Liability Insurance is not just for doctors and lawyers; veterinarians and their staff need it, too. Those in your clinic who may benefit include:
- Veterinarians,
- Veterinary technicians,
- Animal surgeons,
- Mobile veterinary services,
- Pet groomers,
- Other animal care specialists.
Example: If an employee is involved in a car accident while transporting a pet, auto insurance for business vehicles could cover the damage.
Other Insurance For Veterinary Offices
Besides PLI, your veterinary practice might need additional coverage to stay fully protected:
- General liability insurance for accidents on your premises (like a pet owner slipping),
- Business interruption insurance if something forces your office to close temporarily,
- Workers' compensation to cover employee injuries on the job.