Vet Insurance | Veterinary Business Insurance

Veterinary Practice Insurance

No two veterinary practices are the same, and the risks you face will be unique to your practice – from the area you serve and the treatments you offer, to the equipment you rely on. That’s why there’s no substitute for tailored vet business insurance cover designed for you.

We’ll work with you to understand your risks in detail. From liabilities arising from treatments you perform or medication you prescribe, to liabilities from employees or customers becoming injured or suffering property damage while at your practice. We’ll help you assess other risks too, like equipment breakdown, incidents affecting your premises and more.

Then we’ll use that insight to find vet practice insurance cover that’s tailored to your practice – to help give you peace of mind while aiming to save you valuable time and money along the way.

Key features and benefits

Quotes from a panel of A-rated insurers.
Single, flexible policy — tailor-made to suit your requirements.
Dedicated adviser throughout your policy.
No mid-term amendment fees should you need to make a change.
Up to £5 million for public and product liability.
Access to a 24-hour legal helpline.
Flexible payment options including direct debit.
Access to documents anytime, anywhere via our secure portal.

Get a veterinary practice insurance policy now

Let us help you find the right insurance, at the right price – quickly and without fuss.

Get a Quote

Our Veterinary Surgery Insurance Covers

Business interruption.
Employers liability insurance.
Legal expenses.
Money insurance.
Non-refrigerated stock of drugs.
Personal accident cover.
Professional indemnity/vet malpractice insurance.
Property damage.
Public liability cover.
Refrigerated stock of drugs.
Specified all risks.
Stock.

What Kind of Vet Business Insurance do You Need?

Public liability insurance – Covers you if a customer or one of their pets has an accident or suffers damage to their personal property on your premises.
Product liability – If you sell pet care items as part of your business, this cover can provide protection if one of your products causes harm or damage to your customers.
Employers liability – You’re legally required to have this cover if you employ any staff. It can provide protection if they make a claim against you for illness, injury or damage to personal property.
Professional indemnity/vet malpractice cover – Protects you and your business if you're held responsible for delivering inadequate advice, misdiagnosis or malpractice as a veterinarian.
Business interruption – This can provide cover and funding if your business has to stop running and you can't trade.
Personal accident insurance – Covers your income if you're unable to work following injury or illness.
Legal expenses – If you need legal help in combatting a claim, this can help cover the costs.
Business equipment cover – Cover for your equipment against theft, loss and accidental damage.

Premiums from as little as

£410

In the last 12 months our customers have paid as little as £410 per annum for office and surgery insurance. That’s just £8 per week!

50% of our office and surgery customers paid less than £1,906 per annum.***

* Please click here to view our pricing disclaimer.

** Standard and optional cover may differ dependent upon insurer.

*** Data compared from 53 policies sold in 2023. 18 customers paid £410 or less, which represents 34%. £8 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.

Veterinary Practice Insurance FAQs

Each veterinary practice is different and a business insurance policy is often made up of a combination of different covers, which might include public and product liability through to malpractice. The cost of your policy will also depend on factors such as the size of your practice and the level of covers you need.

To discuss your options please call our friendly team today. They will make sure your policy only covers the things you need, and nothing you don't.

This depends on the nature of the circumstances and the type of insurance policies you have in place. If an animal is injured and it is not due to any treatment or care, this would fall under public liability. If the animal is injured during the course of treatment, surgery or care provided, this would be covered under a malpractice policy. A standard surgery package insurance will not typically cover claims arising from malpractice and would need to be purchased separately.

This will depend if you have told the insurers that you hold both chilled and non-chilled medicines / drugs when you were taking out your policy and if it is listed as insured on your policy schedule. Insurers will cover loss of items if the refrigerator has broken down, provided the refrigerator is less than 10 years old and is maintained under a service contractor by a refrigeration engineer.