What Kind of Insurance Does a Veterinary Clinic Need?
- Nate Jones, CPCU, ARM, CLCS, AU
- 12 minutes ago
- 2 min read
Running a veterinary clinic comes with unique risks—from medical errors to equipment breakdown and employee injuries. Having the right insurance coverage is essential for protecting your practice, staff, and clients.
This guide explains the types of insurance every veterinary clinic should consider.
Purpose: Protects against third-party bodily injury or property damage claims.
Covers accidents in the clinic, such as slips or injuries to clients’ pets
Provides peace of mind against lawsuits unrelated to medical care
Purpose: Covers claims arising from professional services, including:
Misdiagnosis or treatment errors
Surgical complications
Negligence claims
This coverage is critical, as medical errors can lead to costly legal claims.
Purpose: Protects clinic property, including:
Buildings (owned or leased improvements)
Medical and diagnostic equipment
Office furniture and inventory
Property coverage ensures your clinic can recover quickly from fire, theft, or natural disasters.
Purpose: Provides coverage for employee injuries sustained on the job.
Often required by law in most states
Covers medical expenses and lost wages for employees injured at work
Helps protect your clinic from employee lawsuits related to workplace injuries
5. Cyber Liability Insurance
Purpose: Protects client and patient data, including electronic medical records.
Covers data breaches, cyber-attacks, and ransomware
Essential as clinics increasingly rely on digital records and online communications
Purpose: Protects expensive veterinary equipment such as:
Surgical instruments
Diagnostic machines (X-ray, ultrasound)
Laboratory equipment
Equipment coverage ensures that critical medical devices can be repaired or replaced promptly.
Why Partner with Wexford Insurance
Veterinary clinics face unique risks, and having the right combination of insurance policies is essential. Working with Wexford Insurance ensures that your clinic is fully covered—from general liability to equipment protection—allowing you to focus on patient care and business growth.
Final Thoughts
A veterinary clinic’s success depends not only on excellent care but also on managing risk effectively. By securing comprehensive insurance coverage, clinic owners can protect staff, clients, equipment, and their business, providing peace of mind while growing their practice.
Contact us today.
Frequently Asked Questions (FAQ)
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