Expert Guidance from Zach Davis, Pet Business Insurance
Are you a veterinarian trying to navigate the confusing maze of policies, premiums, and paperwork?
You’re not alone.
Whether you’re running a bustling animal hospital or a mobile vet clinic, the right insurance can mean the difference between peace of mind and a financial nightmare. We sat down with Zach Davis of Pet Business Insurance to talk about the most important policies for veterinary practices in 2025—and how to avoid common missteps.
What Kind of Insurance Do Veterinarians Actually Need?
Zach has worked with hundreds of veterinary professionals and says the same problem shows up over and over: policies that sound complete but skip over real-world risks.
Must-Have Coverage Areas:
- General Liability Insurance Protects your clinic against third-party claims for bodily injury or property damage—like a client slipping in your lobby.
- Animal Bailee Coverage If an animal in your care is injured, lost, or dies—even with proper protocols—this coverage helps protect your business.
- Business Property Insurance Covers your building, medical tools, and on-site inventory from unexpected damage or loss.
- Workers’ Compensation Insurance Required in most states, this ensures your team is protected if injured on the job.
- Commercial Auto Insurance For mobile vets or clinics with transport vehicles, this policy covers business-related vehicle incidents.
- Business Income Insurance Helps cover lost revenue if your clinic has to shut down temporarily due to a covered incident.
- Business Owners Policy (BOP) A bundled option that combines several key coverages into one simple package—ideal for small to midsize clinics.
Why Are Vet Clinics Considered High-Risk?
- Performing surgery without signed consent
- Missing or unclear treatment records
- Animal escapes, bites, or post-op issues
- Unqualified staff handling procedures
- Inconsistent record-keeping
How to Choose the Right Policy for Your Practice
Zach recommends you ask these before signing anything:
- Does this include animal bailee, malpractice, and property coverage?
- Is the broker experienced with vet clinics?
- Are risk management tools (like SOPs, waivers, checklists) included?
- Can I adjust the policy as my clinic grows?
Quick Answers: Veterinary Insurance FAQs
Do vets need malpractice insurance?
Yes—this is your legal safety net for errors in treatment or diagnosis.
What is animal bailee insurance?
Coverage for when an animal in your care is lost, injured, or dies—even if you followed all protocols.
Is cyber liability really necessary?
Absolutely. If you collect any client or medical data, cybercrime is a growing threat.
What if I’ve had previous claims?
Be transparent. Zach and his team help frame your history in a way underwriters understand.
Can I bundle all my insurance in one plan?
Yes. Many providers offer Business Owner Policies (BOPs) that group multiple coverages.
Final Thoughts: Peace of Mind Starts Here
If you’ve ever wondered whether your current policy truly covers your risks—or just looks good on paper—you’re not alone.
With expert insight from Zach Davis and the team at Pet Business Insurance, you can build a policy that fits your practice, your pace, and your peace of mind.
Ready to protect your clinic the right way?
