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Company
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Contact Info
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Veterinary Exclusive*
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Business Options
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Personal Options
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Additional Options and Info
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Professional Liability**
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American National
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General liability; Mobile equipment; Animal baileea; Commercial auto; Equipment breakdown; Cyber/data breach; Employee practices liabilityb
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AVMA PLIT
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info@avmaplit.com
800-228-PLIT (7548)
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Worker's compensation; Employment practices liability; Flood; Commercial auto; Builder’s riskc; Data breach; Umbrella; Directors and officers liabilityd; Mobile equipment; Animal bailee
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Home; Auto; Identity theft; Personal excess liability
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Student liability
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Baty Insurance
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info@batyins.com
713-468-0700
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Commercial auto; Business interruptione; Crime; Umbrella; Builder's risk; Employee practices liability; General liability; Worker's compensation; Commercial property; Data breach; Directors and officers liability
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Home; Auto; Life; Pet
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Farmer's Insurance
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1-800-974-6755
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General liability; Cyber/data breach; Injury; Crime; Commercial auto; Worker's compensation; Umbrella; Life
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Auto; Home; Life; Renter's; Condo; Pet; Recreational; Umbrella
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Hartford Insurance
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800-547-5000
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General liability; Commercial property; Business interruption; Data breech; Animal bailee; Sewer/drainage backup; Employee practices liability; Worker's compensation; Commercial auto; Homebased business solutions
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Insureon
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info@insureon.com
800-688-1984
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General liability; Workers’ comp; Injury; Animal bailee; Property damage; Advertising injury [e.g. libel, slander]; Business interruption
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Errors and omission/malpractice insurance
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Liberty Mutual
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Property; General liability; Commercial auto; Umbrella; Worker's compensation
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Auto; Property; Life; Pet; Identity theft; Critical illness; Accident
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Liability insurance for healthcare providers, through Ironshore
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Merchant's Insurance Group
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support@merchantsgroup.com
1-800-462-1077
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Business and property; Commercial auto; Employee practices liability; Equipment breakdown; Business interruption; Money/securities (i.e. if stolen, lost); Business liability; Valuable papers/records liability; Cyber/date breech; Employee dishonesty; Worker's compensation; Umbrella
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Home; Auto; Umbrella
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Nationwide
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1-888-490-1549
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General liability; Business/property damage; Business interruption; Equipment breakdown; Commercial auto; Sewage or drain coverage; Injury; Employee practice liability; Valuable paper/records loss; Employee dishonesty
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Safehold
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vetprogram@safehold.com
855-874-1275
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Property; General liability; Business interruption; Employee dishonesty; Animal damage to property; Animal bailee; Worker's compensation; Commercial auto; Umbrella; Employee practice liability; Cyber; Natural disaster protection; Builder’s risk; Kennel cough coverage
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Professional liability includes no “Hammer Clause” as well as consent to settle, expert witnesses; License defense of $100,000/yr and legal counsel
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Professional liability extends to large animal; per email, business insurance offerings also extend to large animal veterinarians, but to what extent may depend on the individual practice
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TexCap Insurance
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Mike Bass
mbass@TexCapINS.com
or
Thasia Foster
tfoster@TexCapINS.com
1-866-715-0484
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Auto; Worker's compensation; General liability; Umbrella; Property; Animal bailee; Employment practices liability; Cyber
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Pet; Home; Auto; Life; Disability; Medical insurance
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Insurance offerings encompass both large and small animal veterinarians; however, professional liability is not available for veterinarians working on show animals or race horses
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Travelers
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Michelle Canales, Underwriting Director
mcanales@travelers.com
630-961-6536
Melissa Bloor, Account Executive mbloor@travelers.com
630-961-4220
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Auto; General liability; Property; Umbrella; Worker's compensation
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Professional liability provided by AVMA trust
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Veterinary Defence Association America
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info@vetdefenceco.com
855-757-5700
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Touted as the only independent advocate for veterinary professions in the USA and Canada
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Offers "holistic, professional, personal protection" rather than "insurance;" Options in Australia, Asia, and South Africa as well
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Veterinary Insurance Services Company
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info@visc-ins.com
888-762-3143
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Property/Equipment; General liability; Commercial auto; Worker's compensation; Employee practice liability; Professional liability (business owner policy only); License defense (business owner policy only)
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Life; Disability
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Vetinsure
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800-272-1249
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Primarily offers business policies; Buildings and property; Employee practice liability; Worker's compensation; Cyber/data breach; Builder's risk; Group health insurance; Umbrella
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Life; Disability
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Primary focus is on veterinary hospitals, not individual insurance; Only offer professional liability with license defence through business owner policies (for hospitals and corporate groups)
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Lists are not comprehensive. A distinction is often not made between large and small animal veterinarians on websites/insurance literature. Some insurance companies do not cover large animal businesses. Visit each site and contact carriers for more information about offerings.
*Veterinary exclusive: the company only caters to veterinarians
**Professional liability: some companies refer as malpractice insurance
a Animal bailee coverage covers injury to animals while within care, not resulting from treatment
b Employee practice liability covers disgruntled employee, wrongful termination, harassment, discrimination, retaliation, etc.
c Builder's risk covers property during construction until occupancy permit is provided
d Directors and officers liability covers personal assets of corporate directors and officers and their spouses
e Business interruption covers income interruption
Have others that should be added to the list? Send your suggestions to feedback@vin.com.