Your patients can't tell you what happened. Your coverage should be clear anyway.
A veterinary practice is a medical office, a surgery suite, a pharmacy and sometimes a boarding kennel, all in one building. That's why a standard office policy rarely fits on its own. We work with clinics and animal hospitals, and we also hear from specialists like veterinary neurologists and acupuncturists.
The center of the program is veterinary professional liability, which responds to claims tied to the care and treatment you provide. Right next to it is animal bailee coverage, which may help when a pet is injured, lost or dies while in your care, custody or control for reasons outside the professional treatment itself, like boarding or grooming. The two work together, and the line between them matters.
Then there's the clinic itself. Property for the building or build-out, equipment breakdown for surgical, imaging and lab equipment, and business income if a covered loss closes the doors. Practices also hold client records and payment data, so cyber liability is worth a look, along with EPLI once you have a team. As with any policy, benefits depend on the coverage you choose and its limits.
