Coverage built for professionals entrusted with animal care, medical decisions, and client trust

Republic Insurance Group provides specialized insurance and risk management solutions for veterinary clinics and animal health providers—designed to protect your practice, your people, and your professional reputation.

Professional liability–driven coverage design
Support for fixed-location and mobile practices
Claims advocacy and regulatory-aware risk management

Built for animal health professionals

We work with a wide range of animal health and veterinary operations, including:

Small animal veterinary clinics
Large animal and mixed-practice clinics
Mobile and ambulatory veterinary practices
Specialty and referral clinics
Emergency and after-hours animal hospitals
Animal health service providers
Diagnostic, treatment, and wellness practices
Multi-location veterinary groups and practice owners

Veterinary practices face medical, professional, and operational liability—often all in the same day. Coverage must reflect that reality.

Veterinary practices face layered exposure

Unlike many businesses, veterinary clinics combine medical decision-making with public interaction and controlled substances, creating risks such as:

Professional liability and malpractice allegations
Injury or death of an animal under care
Client disputes and reputational damage
Controlled drugs and medical inventory loss
Employee injuries (bites, kicks, lifting, exposure)
Property loss and equipment failure
Data breaches, ransomware, and payment fraud
Auto liability for mobile or ambulatory services

Our role is to help ensure these exposures are addressed before a claim arises.

Clinic Types & Practice Models

Common accounts we insure

Single-location veterinary clinics
Multi-location practice groups
Mobile and house-call veterinarians
Emergency and specialty animal hospitals
Owner-operated and associate-driven clinics
Practices preparing for acquisition or expansion

Coverage designed around how your clinic operates

Core Coverage Solutions

Veterinary Professional Liability (Malpractice)

Allegations of errors or omissions in animal care
Defense costs and settlement expenses (where applicable)
Coverage tailored to scope of services and specialties
Coordination with general liability to avoid gaps

General Liability

Premises liability (clients, visitors, vendors)
Operations liability beyond professional services
Products/completed operations (where applicable)
Animal-related third-party injury claims

Property & Equipment Coverage

Clinic buildings and tenant improvements
Medical equipment and diagnostic tools
Controlled substances and medical supplies
Business personal property and inventory
Loss of income following a covered loss

Workers’ Compensation

Coverage for technicians, assistants, and support staff
Injury prevention guidance and safety considerations
Employer liability coordination

Commercial Auto (When Applicable)

Mobile and ambulatory veterinary vehicles
Hired and non-owned auto exposures
Trailer and transport considerations

Umbrella & Excess Liability

Added protection above GL, auto, and employers liability
Important for clinics with higher revenue, volume, or visibility

Specialty Coverage Solutions

Often critical for modern clinics

Depending on your operation, we may recommend:

Care, Custody & Control Coverage – for animals under treatment or boarding
Cyber Liability – protection against ransomware, phishing, and data breaches
Crime Coverage – employee theft, funds transfer fraud, drug diversion
Employment Practices Liability (EPLI) – allegations of wrongful termination, harassment, or discrimination
Equipment Breakdown – failure of critical medical or refrigeration equipment
Business Interruption / Extra Expense – continuity during shutdowns or repairs
Regulatory & Licensing Defense (where applicable)

Why Republic Insurance Group

A different approach to veterinary insurance

Veterinary insurance is about professional protection. Our Process:

1. Practice assessment
We review services, specialties, staffing, and patient flow.

2. Liability alignment
We coordinate professional, general, and care/custody coverage to minimize gray areas.

3. Operational risk support
Guidance on contracts, consent forms, controlled substance handling, and clinic procedures.

4. Claims advocacy
When allegations arise, we help manage the process and protect the practice.

What clinics value most:

Experience with professional liability placements
Clear explanations without medical or insurance jargon
Responsive service during high-stress situations

Frequently Asked Questions

1) Is veterinary malpractice insurance required?
Requirements vary, but professional liability is a foundational coverage for most clinics.

2) What is care, custody, and control coverage?
It helps address allegations involving animals under your care, treatment, or supervision.

3) Do mobile veterinarians need different coverage?
Yes. Vehicle use, equipment transport, and off-site care create additional exposures.

4) Is cyber insurance really necessary for a vet clinic?
Many clinics store client data, accept payments, and rely on digital systems—making cyber coverage increasingly important.

5) Are controlled drugs covered if stolen?
Coverage depends on policy structure and safeguards in place. This exposure should be reviewed carefully.

6) Can coverage grow with my practice?
Yes. Policies should be reviewed annually or when adding staff, services, or locations.

7) Does general liability cover malpractice?
Typically no. Professional liability is usually required for medical-related allegations.

8) How fast can coverage be placed?
Timelines depend on complexity, but we prioritize clean submissions and fast turnaround.

Protection for the work that matters

When your practice is built on trust, expertise, and professional judgment, your insurance should reflect that responsibility.

Republic Insurance Group helps animal health professionals protect their practice today—while preparing for growth tomorrow.