"Lloyd & Whyte truly understood the unique requirements of our listed property and secured us the right policy. The process was remarkably smooth and efficient."
Veterinary Practice Insurance
Running a vet practice has its own unique set of challenges, so it’s important to choose an insurance broker and policy that is right for you. Having worked with veterinary professionals for over 20 years, you could say we know a thing or two about your practice’s needs.
- Exclusive to BVA members
- Tailored to veterinary businesses’ needs
- Includes buildings, contents, and liabilities
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Veterinary Practice Insurance Built for UK Vets
We know that your Veterinary practice’s value doesn’t stop at the building itself. We understand the value of your pharmaceutical drugs, medical stock, and animals whilst in custody of your practice. With your practice being vulnerable to a range of risks, it’s important to calculate the right levels of cover.
From the time our team takes to get to know your business to our in-house claims support, we go the extra mile to ensure you are fully protected.
What insurance does a veterinary practice need?
Veterinary practices typically need a tailored combination of cover, including property, liability, professional indemnity, employers’ liability and business interruption insurance. The right policy should protect your premises, equipment, team, patients, professional reputation and the financial stability of your practice. If you're unsure what insurance your veterinary practice needs, speak to our experienced team and we’ll help you understand the protection that may be right for you.
Property Insurance
Vet practices often house expensive equipment. Property insurance covers damage to or loss of equipment and furniture due to fire, theft, or water damage.
Public Liability Insurance
This protects your practice from third-party claims involving bodily injury or property damage. For instance, if a patient slips and falls in your practice, this type of insurance addresses medical expenses, and potential lawsuits and compensation claims.
Employers Liability Insurance
Employers Liability Insurance provides financial protection around any compensation claims that may arise should an employee of yours become ill or injured whilst at work. In the UK, Employers Liability Insurance is a legal requirement.
Business Interruption Insurance
If an insured event temporarily halts operations, this insurance helps compensate for lost income, allowing the practice to meet ongoing expenses such as rental of the premises, business overheads, and employee salaries.
Cyber Liability Insurance
The veterinary sector has well and truly moved into the digital age with vet practices using various computer systems to operate on a daily basis. Insurance through Lloyd & Whyte provides cover for your practice in the event of data breaches, ransomware attacks, and associated liabilities and much more.
What does veterinary practice insurance cover?
Vet practices are unique, with varying risks depending on its size, location, and services offered. For instance, a rural practice treating large animals may require coverage for equipment transported to farms, while an urban clinic focused on small pets might prioritise robust liability and cyber protection.
Choosing the correct level of insurance requires working with a broker experienced in the specific requirements you have as a vet. Tailoring coverage ensures you’re not overpaying for unnecessary extras. It also safeguards against you being underinsured and running into issues should you need to make a claim. Regularly reviewing your policy with our help enables you to adapt to business growth or changes.
We provide vet practices with insurance packages designed to meet the needs of your business. If you would like to talk to our insurance specialists about tailored coverage at competitive rates, contact us today.
Frequently Asked Questions
Veterinary practices operate in an environment where unexpected events can disrupt operations or lead to legal disputes. Without insurance, these incidents can result in significant financial losses, damage to reputation, and even closure of your practice. Insurance provides peace of mind, enabling you and your team to focus on patients without constant worry about potential liabilities
Use our handy Contents Calculator to work out your contents ‘sum insured’ and avoid underinsurance.
Escape of Water is the biggest threat to practices in the UK and can cost a practice thousands. Avoid the biggest cause of claims, saving you time and money.
Yes. Modern vet practices rely heavily on digital systems for patient records, imaging, and scheduling. Cyber insurance can provide protection against ransomware attacks, data breaches and system downtime.
If your practice is temporarily unable to trade due to an insured event, business interruption cover can help replace lost income and cover ongoing expenses such as rent, salaries and overheads.
We also offer access to an Emergency Mobile Vet Clinic, helping you maintain continuity of care in the event of serious damage.
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