Protection for Veterinarians

Your area of expertise is providing exceptional care for animals while The Cincinnati Insurance Company and your local independent insurance agent focus on your insurance protection.

Protect Your Professional Reputation

The Veterinarian Program offers professional liability coverage to protect your business with:

• an occurrence coverage form
• no claim settled without your consent (except in Florida and Maryland)
• corporation or partnership coverage available with separate limits for an additional premium
• no punitive damages exclusion
• coverage for employees and students in training

Expand Your Liability and Property Insurance

Your program begins with our standard property and liability coverage forms that provide coverages needed by most businesses. In addition, you can purchase coverages to further customize your insurance protection:

• Veterinarian office property endorsement – adds a bundle of additional coverages to include increased limits for accounts receivable, electronic data processing property and valuable papers and records. Enhancements are available for an additional premium to cover direct physical loss of covered property, as well as business income and extra expenses, when due to interruption of services provided by overhead transmission and distribution lines.
• Broadened commercial general liability endorsement – expands a number of liability features and adds coverage such as employee benefits liability and limited automatic additional insured status for specified relationships.

Options to Suit Your Needs

Round out your insurance program with these options:

• employment practices liability insurance (available in most states)
• professional umbrella liability policy
• crime insurance policy
• business auto coverage
• cyber risk coverage
• crisis event expense coverage
• equipment breakdown coverage

Cincinnati Advantage

Work confidently, knowing you are protected by an exceptional insurance program that provides:

• loss control services at no additional charge
• access to vendors offering specialized loss control services and training at discounted rates
• superior claims service from Cincinnati professionals who typically live in or near your community
• multi-year policy terms in most states for many coverages
• stability from a company with a high financial strength rating from A.M. Best Co.
• more than 90% of our policyholders are highly satisfied with the overall claims process, based on almost 27,000 standard lines auto and property policyholders responding via electronic claim satisfaction survey between January 1, 2020, and December 31, 2022, with an 8, 9 or 10 on a 10-point scale
• a management team specifically dedicated to keeping your insurance program on the leading edge