Professional Liability Insurance for Veterinarians
Professional Liability for Companion Animal Veterinarians
Professional Liability Program Introduction
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360 Coverage Pros offers unparalleled Veterinary Professional Liability Insurance for veterinarians and veterinary practices offering Companion Animal (lizards, rabbits, birds, small rodents, dogs, cats, sheep and more exotic species) veterinary-inspired services. Protect your practice, employees, and interests both in your office and outside during various field visits. Safeguarding yourself against accusations of negligence and malpractice has never been easier. The 360 Coverage Pros Veterinarian Professional Liability Program provides peace of mind while you focus on running your practice. With one of the easiest click and bind coverage processes in the industry at extremely affordable prices, the choice is easy! If you have any questions about how you should apply for coverage, please schedule a consultation with an expert for advisement.
- Designed for Veterinarians that are working exclusively with companion animals, coverage for your entire practice including
- Business entity
- Independent contractors / employee
- Additional insureds
- Clinical Offices, Animal Hospitals, Pet Medical Centers, Emergency Room Services, Mobile Clinics - Virtual Consultations, Telemedicine, Remote Diagnostics
- Also, ideal for individual veterinarians practicing relief work through a temporary 1099 contract
- No Membership Fees
- 24/7 access to our legal advisement hotline, exclusively for insured policyholders
- NO deductible
- Monthly payments starting at just $17.50
- Fast and easy online application….No more waiting for coverage
- Instant proof of insurance
- Painless automatic renewal process
- First-class customer care professionals standing by to answer your questions
- Looking for coverage other than for companion animals? Get a custom quote.
Pricing Information
$100,000 per claim / $300,000 annual aggregate
CHOICE: Provides Professional Liability, Disciplinary or Regulatory Proceeding Coverage, Subpoena Assistance, Defendants Expense, and Employee Theft Coverage for rendering of normal Veterinarian services solely for companion animals including domesticated and assistive support animals.
Covered services include normal services provided by a licensed veterinarian in good standing or by any person for whom the Assured is legally responsible including pathology, radiology, surgery, ophthalmology, nutrition, clinician, theriogenology, anesthesiology, internal medicine, cardiology, dermatology, neurology, epidemiology and oncology,
In addition to ancillary grooming and boarding services, and services performed as a member of a formal professional board or committee.
Also includes License Defense (Disciplinary / Regulatory Proceeding Expense) $25,000 aggregate limit & Bailee coverage with $10,000 limit for any one animal, $30,000 transportation limit, and $50,000 total limit per premises
| Effective Date | Pay In Full | or Down Payment | w/Monthly Payment |
|---|---|---|---|
| 06/01/23 | Apply today for $195.70 | $63.20 | $17.50 |
- At the time of enrollment, each applicant is required to make a non-refundable payment in the amount of the first month’s premium (minimum earned premium). Administrative fees and minimum earned premium are non-refundable
- Pricing includes a $40.00 Risk Purchasing Group Fee and 3% Delaware State Surplus Lines Taxes. Down payment refers to the monthly payment option. Your down payment includes one month's premium, administrative fees and a $5.00 monthly processing fee. Down payments will be processed immediately; monthly deductions as shown above will begin on the third of the month after the enrollment effective date.
Program Eligibility
- Companion Animal Exclusive - At least 90% of your gross practice income must be derived from professional services offered to companion animals as defined by the Policy. Excluded services can be found in the FAQs section or within the online application and Policy.
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Covered Veterinarian services include (but are not limited to):
- Pathology
- Radiology
- Surgery
- Ophthalmology
- Nutrition
- Clinician
- Theriogenology
- Anesthesiology
- Internal medicine
- Cardiology
- Dermatology
- Neurology
- Epidemiology
- Oncology
- Coverage under the 360 Coverage Pros Veterinarian Master Policy is currently NOT AVAILABLE in New York and Indiana.
Coverage Limits
- $100,000 per claim / $300,000 annual aggregate
- $300,000 per claim / $1 Million annual aggregate
- $1 Million per claim / $1 Million annual aggregate
- $1 Million per claim / $2 Million annual aggregate
Program Features
- No Membership Fees
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Veterinarian Malpractice Coverage Components
- Professional Liability - Provides coverage for the legal defense of veterinarians accused of malpractice and pays the costs they become legally responsible for due to rulings against them.
- Disciplinary / Regulatory Proceeding Expense – Provides legal defense before regulatory boards for license inquiries and complaints lodged against the insured veterinarian or practice. Coverage limit is $25,000 aggregate limit, unless endorsement is purchased.
- Subpoena Assistance – $10,000 aggregate
- Defendants Expense – $250 per day / $10,000 aggregate
- Employee Theft – $5,000 aggregate
- Bailee Coverage – Intended for loss or damage to animals and their accessories while in custody of, on the premises of, or while being transported by the insured. Covers $10,000 per animal, $30,000 transportation limit, and $100,000 total per premises. Purchase of Endorsement (below) increases these limits.
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Optional Enhanced Coverage Endorsement ($100):
- Adds Medical Payments Liability Coverage – Covers clients or other third-parties who sustain bodily injuries at your practice. Coverage for $2,500 per person with an aggregate limit of $25,000.
- Increases Insured’s Disciplinary / Regulatory Proceeding Expense limits to $50,000
- Increases Insured’s Bailee limits to $25,000 per animal, $50,000 transportation limit, and $200,000 total per premises.
- Need General Liability Insurance?
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Painless automatic renewal process
- As a busy professional, you have a lot on your plate. With 360 Coverage Pros' auto-renew feature, there's no need to complete an application every year. We’ll send you a renewal notice and if you still meet the eligibility requirements, you don’t have to do anything.
- We’ll automatically renew your policy using the payment information we have on file. It’s that easy!
Deductibles and Retentions
- $0 Deductible – No deductibles to worry about with 360 Coverage Pros Companion Animal Exclusive Veterinarian Professional Liability Coverage
Payment Options
- Pay in full or choose monthly payments via credit card or electronic funds transfer (EFT). For those customers that select the monthly payment option, your credit card or EFT will be processed on the third of each month.
Underwriter
- Your coverage is secured by Underwriters at Lloyds of London, an outstanding insurance company rated "A" XV (Excellent) by A.M. Best.
- Important: This is a claims made and reported policy. Claims must be submitted as soon as practicable in writing to the insurer. Coverage only applies to claims first made during the policy period. Claims must be reported during the policy period; or, during an extended reporting period (ERP). Prior acts are covered back to the first day of continuous professional liability coverage. Please refer to the policy form for claim reporting provisions and definition of a claim, prior acts definition, and ERP details.
Disclosures
- All policy documents are delivered in electronic format by default.
- A.M. Best rating and other disclosures.
- HealthCare Professionals Purchasing Group, LLC is a Delaware domiciled risk purchasing group (RPG). Risk Purchasing Groups differ from traditional insurance companies in several ways, for example: • Permitted by Federal Law – “Liability Risk Retention Act of 1986” • A group of insureds engaged in similar businesses or activities to purchase insurance coverage from a commercial insurer • May be exempt from some state insurance regulations • May not be covered by various state guarantee funds Arthur J. Gallagher & Co, and any of its subsidiaries do not guarantee the financial viability of any insurance company, carrier, pool, risk retention group, or other means of risk transfer or risk sharing.
- For complete details on covered professional services and exclusions, please refer to the policy form.
Program Administrator
- 360 Coverage Pros is administered by Gallagher Affinity, a global insurance brokerage, risk management and consulting services firm.
- Refer to the policy form for additional definitions, terms, and conditions. Please contact us with any questions or concerns; you can also visit our Frequently Asked Questions section for more information.
- Program administrative services include policy review and issuance, premium billing and invoicing, mid-term policy changes, coordination and issuance of certificates of insurance, online enrollment and account management and a dedicated customer support team with phone, chat and online contact features.
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