PM Vet Protect© Veterinarian Professional Liability Insurance
A missed diagnosis, unexpected reaction to treatment, or miscommunication with a pet owner could quickly lead to an allegation of malpractice or negligence. Whether those claims are valid or not, a lawsuit or licensing board complaint could put your financial wellbeing, reputation, and career on the line.
Veterinarian professional liability insurance helps protect against these risks by covering certain legal defense costs, settlements, and more. For practice owners and associate vets alike, professional liability coverage helps safeguard your career in today’s evolving veterinary landscape.
PM Vet Protect © insurance policies provide you with the coverage you need based on common risks involved in veterinary practice. Get professional liability insurance tailored specifically for veterinarians to protect your livelihood, reputation, and future career today.
PM Vet Protect: Comprehensive Professional Liability Insurance for Vets
PM Vet Protect is a comprehensive professional liability insurance policy for vets, whether you've been in practice for decades or are just out of vet school. We work with experienced veterinary industry experts to provide professional liability coverage that helps protect your livelihood.
You're not just getting great coverage. You're getting peace of mind, so you can spend less time worrying about potential lawsuits and more time providing excellent care for your animal patients.
Who We Cover
Our veterinarian professional liability insurance covers a wide range of veterinarians, from small animal practices caring for furry family members to large animal and equine veterinarians specializing in livestock care.
In addition, PM Vet Protect offers both Claims-Made and Occurrence policies. Enjoy the freedom to choose the policy type that best fits your needs.
Further customize your coverage with coverage for business entities, such as a Partnership or Limited Liability Company. This additional coverage can be added to your individual professional liability insurance if you own your own practice, and it covers all employees of your business, such as vet techs or front office staff.
What We Cover
Our comprehensive professional liability coverage helps protect you from claims made against you when performing regular veterinary services, including:
• Diagnosis, treatment, and prevention of animal disease, illness, pain, and injury.
• Medical and surgical procedures on animals.
• Prescribing, dispensing, administering, or applying any drug or medicine for animals.
• Use of complementary, alternative, and integrative therapies in animals.
• Diagnosis and treatment associated with animal reproduction.
• Health, fitness, and soundness of animal diagnosis.
• Veterinary consultation by electronic/telephonic communications.
No matter how you practice, you can rest easy knowing your professional liability insurance is working to protect your career. Your coverage could help pay for legal defense costs, settlements, judgments, and more if someone files a claim against you.
What’s Included in Vet Professional Liability from PM Vet Protect?
Our professional liability insurance goes beyond basic coverage. With PM Vet Protect, you get more out of your insurance with standard coverages, including:
• Coverage Wherever You Practice: Don't get caught without coverage! With PM Vet Protect, your professional liability coverage follows you wherever you practice, including continuing education, teaching, professional publications, volunteer work, and more.
• License Defense: Enjoy $100,000 of license defense coverage, included in your policy at no extra charge.
• Medical Expense: Helps cover the medical expenses of people who suffer a bodily injury while you perform services.
• Consent to Settle: We won't settle a claim or lawsuit unless you agree to it.
Optional Coverages
The ability to customize your coverage based on your needs helps you get the most out of your veterinarian professional liability insurance. PM Vet Protect offers a range of optional endorsements so you can create a policy that fits your practice.
Common optional coverages include:
• Animal Bailee: Covers the loss or damage to animals in your care, whether at your facility or in transit.
• Embryo/Semen Storage: Covers the loss, damage, or destruction of animal embryos, tissue, or semen while in transit or in your facility. Must also add Animal Bailee coverage.
• Sexual Misconduct and Physical Abuse: Helps you cover costs related to claims of wrongful acts involving sexual misconduct or physical abuse of another person.
Coverage Limits
Limits of Liability
With professional liability coverage under PM Vet Protect, you can choose from a variety of limits up to $5,000,000 per occurrence and $5,000,000 aggregate, as well as choosing a deductible that fits your needs.
Sublimits for specific coverages include:
• License Defense: $100,000, with no additional premium
• Medical Expense: $5,000 occurrence/ $10,000 aggregate
• Animal Bailee: Limits up to $100,000
• Semen/Embryo Storage: Limits up to $50,000
Providing More than Insurance Coverage
With decades of combined experience mitigating risks in healthcare settings, our risk management team stays on top of emerging risks in the veterinary industry. The team uses their knowledge and experience to develop complimentary risk management resources for dental professionals, including:
- Risk intel reports and newsletters
- Quarterly webinars
- On-demand education, with CE available
- One-on-one consultations
- Access to an on-staff licensed veterinarian
For more information on products and coverage, contact your local field agent.
Why Veterinarians Trust PM Vet Protect
Veterinarians across the country trust PM Vet Protect to protect their businesses, their careers, and their livelihoods with professional liability insurance. Why join them?
• Over 115 years of experience protecting healthcare business owners.
• Products designed with input from licensed veterinary and insurance professionals to protect you from common risks in your industry.
• Our underwriting, risk management, and claims teams have extensive experience working with healthcare professionals,
• Discounts may be available to help you save on coverage, such as group rates, student and recent graduate discounts, part-time veterinarian pricing, a risk management credit, and more. Talk to an agent today to find out if you qualify for potential discounts!