You’ve worked hard to create a successful, thriving veterinary practice. You need to protect it. A business owner’s package through the AVMA Trust provides coverage for damage to your building and equipment, supports you during business interruptions, protects you from third-party claims, and includes additional coverage endorsements for situations unique to veterinary practices.

A key part of your business is your physical space: your building, medical equipment, furniture, computers, and more. Veterinary Business Property and Liability insurance — also known as a Business Owner’s Package — protects all that and more.

As important to a practice owner as general liability coverage, employment practices liability (EPL) coverage responds to allegations such as wrongful termination, discrimination, and sexual harassment.

Your business is more than just property. Workers’ compensation coverage protects your team members financially if they are injured on the job. A good program also can provide strategies for avoiding injuries in the first place.

If you hospitalize, board, or transport animals, you could be held responsible for the injury, loss, or death of an animal in your care. And your professional liability coverage or general liability policies may not cover you if the incident occurs outside of treatment.

Every business is susceptible to cyberattacks, ransomware demands, and data breaches—and the average data-breach cost to a business owner is high: $214 per individual compromised record. Don’t get caught footing this bill yourself.

Just as with personal vehicles, it is against the law to drive a commercial vehicle without insurance to cover injuries or damage to others that an employee causes as a result of a car accident.

Through Practice Healthcare Solutions, the AVMA Trust works directly with practice owners and managers to find the healthcare solution that is best suited to the needs of their practice and team. Available in all 50 states, plus D.C. and Puerto Rico.

A flood can quickly cause thousands of dollars of damage to floors, medical equipment, and biologicals. Without a flood insurance policy, all flood-related expenses must be paid out of your pocket.

“As a new clinic owner, the task of determining specific insurance needed can be very overwhelming. After receiving a massive checklist from the bank requiring proof of various insurance policies, I knew I needed to seek guidance. I am so grateful I made the call to the AVMA Trust.”

– Dr. Derek Haggard, Hometown Veterinary Clinic of Jacksonville

“I went with AVMA Trust business insurance for convenience – I could get all the various types of insurance I would need to run my mobile veterinary practice in one place. In addition to convenience, I was pleasantly surprised to find promptness, efficiency, responsiveness, and really friendly and courteous agents.”

– Dr. Therese Lee, Wagon Tails Animal Clinic LLC

"The number of details and headaches involved in purchasing a practice is staggering, but the AVMA Trust made one part of the process very easy. They helped us determine the insurance we needed, got us quotes in a timely manner, and handled all communications with the banks to provide the documentation they needed.

We highly recommend the AVMA Trust as a smooth and cost-effective way to make sure your practice is properly insured."

– Dr. Kris Kane and Dr. Melissa Johnson Oceanview Veterinary Hospital

"It's the best coverage I've found. I've kept it for over 30 years."

– Dr. Richard L. Runyon, Eastridge Animal Center

The AVMA Trust, through AVMA LIFE and AVMA PLIT, offers unparalleled insurance programs and other services available only to AVMA members, their families, and employees. From business and professional insurance, to life insurance and disability, and now retirement planning and employee benefits, the Trust is here to protect and support you at every stage of your personal and professional life.

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