Healthcare
Professional Indemnity Insurance for Veterinarians
Veterinary practices carry professional liability for the clinical advice, diagnosis and treatment they provide. Professional Indemnity protects your practice against claims of alleged negligence in veterinary care.
Why it matters
Why veterinarians need Professional Indemnity
- SAVC registration obligations and practice risk expect adequate PI cover.
- Surgical and treatment claims can carry significant costs, particularly in equine and large animal practice.
What does Veterinarian PI cover?
- ✓Claims arising from alleged negligent diagnosis, treatment or surgical procedures.
- ✓Defence costs in responding to professional negligence claims.
Common exclusions
- –Deliberate or fraudulent acts.
- –Product liability for retail products sold, which may need separate cover.
Real scenarios
Common Veterinarian PI claims
Surgical complication claims
Claims alleging negligent surgical procedure or post-operative care.
Misdiagnosis claims
Claims linked to alleged incorrect diagnosis or delayed treatment.
How much PI cover does a veterinarian need?
Limits should reflect practice size, case values and species mix, particularly for equine and large animal work.
What affects the premium?
- Annual revenue
- Number of veterinarians and practices
- Species mix
- Surgical procedure volume
- Claims history
What information insurers require
- • Annual revenue
- • Number of veterinarians and practices
- • Species treated
- • Claims history
Retroactive cover
Retroactive date should reflect when the practice or veterinarian began practising.
Run-off cover
Run-off cover matters when a practice closes or a veterinarian retires.
FAQ
Frequently asked questions
Yes, subject to policy terms, surgical and clinical negligence claims are a core part of veterinary Professional Indemnity cover.
Get your Veterinarian PI quote
One simple online application, tailored to how veterinarians actually work.
Related professions
Related covers
- Public Liability →
Covers client and visitor injury exposure at the practice.
- Commercial Crime →
Protects against theft of drugs, equipment or cash.