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Safeguarding Your Practice: Veterinary Professional Indemnity Insurance Explained

By Maria Hickey on June 26th, 2023

If you’re a vet, it’s important to understand the basics of professional indemnity insurance. Professional indemnity cover is designed to protect vets and veterinary practices from financial losses caused by mistakes or negligence. It ensures that if someone makes a claim against you for poor work, you have protection in place should they successfully win their case and seek compensation.

In this article, we will explain everything you need to know about professional indemnity insurance for veterinarians so that you can feel secure that your practice is running smoothly and professionally.

What is veterinary professional indemnity insurance and why is it important for vets?

As a veterinary professional, your practice revolves around providing optimal care for your animal patients. However, no matter how diligent you are in your work, there can always be unforeseen circumstances that could lead to an unfortunate mishap.

Professional veterinary insurance is essential in this situation. It provides protection for you and your clients in the event of potential legal action due to errors or omissions in your work. This type of veterinary insurance is vital for any vet as it ensures that any legal and financial repercussions are taken care of, allowing you to focus on your job of providing excellent healthcare services for your animal patients and peace of mind for their owners.

What does veterinary professional indemnity insurance cover?

Veterinary professional indemnity insurance covers a range of scenarios where errors or omissions in the provision of services can lead to a financial loss for your clients. This type of cover provides peace of mind that if something does go wrong, you will not be left without protection and financial support.

Examples of situations where professional indemnity insurance would be needed:

• If a vet fails to diagnose an illness correctly

• When a vet gives incorrect treatment advice

• If there is a medication error or failure to provide adequate post-operative care

• If the vet fails to disclose any of the risks associated with surgery

How much does veterinary professional indemnity insurance cost?

The cost of veterinary professional indemnity insurance varies depending on the level of coverage you choose and your individual practice’s risk profile. The more extensive the coverage is, the more it will cost; however, it is important to get the right level of coverage for your practice to ensure you are adequately protected from any potential legal veterinary claims.

In addition, as with all types of veterinary insurance, the amount you pay is also based on factors such as the scope and location of your practice, as well as the number and type of animal patients you have.

How to choose the right veterinary professional indemnity policy for you

When choosing a policy for your veterinary practice most reputable companies offer a range of policies to choose from, so it’s worth taking some time to research the different options available and select the one that best suits your needs.

It is also worth noting that some insurers offer veterinary professional indemnity insurance as part of a package policy, which can be a cost-effective way to cover all your practice’s liabilities. For example, you may be able to bundle professional indemnity cover with public liability insurance and property damage, giving you comprehensive protection at an affordable price.

Other tips for choosing a indemnity policy

• Understand your practice’s risk profile: Understanding the risks associated with your work is essential in selecting a policy that covers all possible eventualities.

• Consider the scope of your practice: If you operate a multi-site veterinary practice, you may require more extensive coverage than if you work from one location.

• Review the insurer’s claims process: Make sure that the insurance company has an efficient and straightforward veterinary claims process to minimise any disruption to your practice in the event of a claim.

By taking the time to understand the risks associated with your work and researching the different options available from an insurance broker, you can make sure that your veterinary practice is adequately protected with professional indemnity insurance.


Professional indemnity insurance is essential for any vet, as it provides protection from any financial losses resulting from errors in the provision of services. It also offers peace of mind so that you can focus on providing excellent care at your veterinary practice.

By researching the different policies available, understanding your practice’s risk profile, and familiarising yourself with the insurer’s claims process, you can select the right policy for your practice that offers comprehensive coverage at an affordable price.

Get veterinary professional indemnity insurance today

Here at Brisco, we understand the importance of professional indemnity vets insurance. That’s why we offer tailored policies for veterinary practices to ensure you get the right cover, at an affordable price.

Get in touch with our expert team today to find out more about our flexible cover options and how we can help protect your veterinary practice. Looking for ways to reduce your business insurance premiums? Our risk management specialists at Brisco Business can assist you.

Maria Hickey

For more than 20 years, Maria has worked in the insurance sector and has extensive underwriting and customer service expertise. Maria is an experienced Senior Underwriter with a particular specialism for shop, office and surgery related insurance.

All articles by Maria Hickey

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