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Animal hospitals are establishments where veterinarians practice veterinary medicine, dentistry and surgery on animals including horses, rabbits, dogs, cats, birds and other pets. Some animal hospitals specialize in treating livestock, which include cattle, pigs, sheep, goats and poultry.

General Liability Insurance for Animal Hospitals – All animals should be contained with the use of leashes and/or portable crates while in the waiting areas of animal hospitals in order to prevent injury to others. Furniture and displays should be secure to avoid tip over injuries. They should be free of any sharp edges or points as wells as any other defects that could result in injury. Floors should remain clean at all times and spills and pet accidents should be cleaned up immediately to prevent slip and fall hazards. “Wet Floor” signage should also be used.

Professional Liability Insurance for Animal Hospitals – Professional liability claims for animal hospitals can result from a number of different situations. Animals may receive incorrect treatment or be misdiagnosed for an illness. There is also a potential for errors during surgical procedures. Claims may result if an animal becomes seriously ill or dies as a result of the animal hospital’s negligence.

Workers’ Compensation Insurance for Animal Hospitals – A written safety program should be in place at animal hospitals that is communicated to all employees with training and management oversight. Animal hospital employees are at risk of being injured by animal bites or scratches. Employees should be trained to properly handle animals of all sizes and wear personal protective equipment when necessary. Back injuries may result when lifting large or heavy animals onto exam tables, for example. Employees should ask for help when lifting any animal or object that seems heavy or awkward.

Business Auto Insurance for Animal Hospitals – Animal hospitals should have limited business auto risks unless larger animals such as horses are treated off-site. Liability increases as the radius of operation increases. Vehicles that are owned by the animal hospital should be maintained and serviced regularly by an outside contractor. Frequent travel over roads that need to be updated and travel over unfamiliar roads will increase auto liability risks.

Property Insurance for Animal Hospitals – Animal hospitals are at risk of fire and theft. The design and construction type of the building should minimize fire loss and should be in compliance with local building ordinances. A central station smoke alarm system should be installed and approved fire extinguishers should be located throughout the building. If animals are boarded on site, procedures should be in place to remove them from the building in the event of a fire. Theft may be a concern if prescription drugs are stored on site. Animal hospitals should secure drugs in locked cabinets to prevent theft by outsiders. Specialized Inland Marine coverage should be in place for the live animals that are boarded, computers, medical equipment, glass coverage, and sign coverage.

Crime Insurance for Animal Hospitals – Employee theft is a crime exposure for animal hospitals, especially with the presence of prescription drugs. As a result, close inventory counts should be maintained for all prescription drugs. Theft of money & securities by dishonest employees or outsiders may also be a concern. All incoming checks should be immediately stamped “for deposit only” and bank deposits should be made daily.