Illinois Veterinarian Insurance
Insurance is a must for any business but for veterinarians it is especially important because of the strong bonds the owners and pets have. If something goes wrong, there could be considerable anger and hurt on the owner’s part which can easily turn into legal action, like in this case….
A local veterinary practice is being sued by a pet owner, who claims negligence led to his dog’s death last year. This pet owner rushed his 3-year-old Great Dane, after she took ill, and the owner told the staff to do whatever was necessary for the dog. More than four hours passed before the dog was taken to surgery for a stomach problem, according to the lawsuit. Four days later, the dog died.
The lawsuit cites a necropsy report that concluded death was caused by a ruptured stomach and infection. The Great Dane’s owner hired an independent expert who determined the dog’s condition was incorrectly diagnosed and the necessary surgery was delayed, the suit states. The owner has refused to pay the $13,000 veterinary bill.
Don’t let this happen to your vet business. Get the protection you need.
Let Frimark/Keller & Associates Do The Shopping For You!
We know the business and will get you the best price.
Finding, choosing, and maintaining the right Veterinarian Insurance plan for your veterinary practice can be hard. That is time and effort being taken away from your primary responsibility – serving your clients. We can put your mind at ease with providing a total account solution with the right insurance plan that meets your needs.
Our agents are experts in providing insurance solutions for veterinarians. We can help you make the prudent coverage choices you need as well as provide highly responsive service when you have a claim.
Frimark/Keller & Associates’ Deluxe Veterinarian Program differs from other insurance coverage in three important ways:
- We have an extremely comprehensive program.
- We offer competitive professional liability rates.
- We go over all the risks unique to your veterinary business.
Coverages Available Through Frimark/Keller & Associates
With our Veterinary Malpractice Insurance program, we give you built-in protection related to:
Business Owner’s Policy (BOP):An insurance package that assembles the basic coverages required by a business owner in one bundle. This package consists of all major property and liability risks.
BOP Pet Services Broadening Endorsement: This endorsement extends and expands the coverage provided by your current Illinois BOP. It also provides 40 important coverages commonly needed by veterinarians that may be limited by or excluded from a standard BOP. Here are some coverages that are included on this endorsement:
|Coverage||Pet Services Broadening Endorsement|
|Disposal of Animals||$1,000 each animal $5,000 per occurrence|
|Personal Property in Transit||$50,000|
|Preservation of Property – Animal Extension||$5,000|
|Valuable Papers and Records – Veterinary Records Extension||$5,000|
|Transit Business Income & Extra Expense||$100,000|
Commercial Auto Insurance – Standard insurance policy that covers a veterinarian office’s use of cars, trucks, vans and other vehicles in the course of carrying out its business. This portion of your Veterinarian Insurance coverage includes vehicles owned or leased by the company, hired by the company or employee-owned vehicles that are being used for the business.
Workers Compensation – Insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue his or her employer for the fault of negligence.
Commercial Umbrella Insurance – A business umbrella policy picks up where your business owner’s policy, commercial auto policy and other liability coverage stop. Umbrella insurance is an inexpensive way to provide extra coverage against bodily injury and property damage.
Employment Practices Liability Insurance (EPLI) – This part of your Veterinary Malpractice Insurance policy that provides coverage to employers against claims made by employees alleging discrimination (based on sex, race, age or disability, for example), wrongful termination, harassment and other employment-related issues.
Professional Liability Insurance – Liability insurance that helps protect professional advice – and service-providing individuals and companies from the full cost of defending against negligence claim made by a client.
Two Reasons To Act Now
- Our customizable Veterinary Malpractice Insurance plans are shaped to fit the needs of your business with no extra policies or hidden fees.
- Fill out the form on this page to get a free no obligation quote today.