Best Veterinary Business Insurance

biBerk tops our rankings for veterinary business insurance with a MoneyGeek score of 4.70 out of 5. It stands out for competitive rates and quality customer service that meet the unique needs of veterinary clinics. NEXT and biBerk also earned top scores, offering veterinarians reliable protection at affordable prices.

Note: We based all scores on a veterinary business with two employees across professional liability, general liability, workers' comp and BOP policies.

biBerk offers the most affordable veterinary business insurance at $50 monthly ($597 annually), ranking first for general liability at $25 monthly and BOP coverage at $33 monthly. 

The Hartford leads for professional liability insurance at $103 monthly, protecting your clinic from malpractice claims related to surgical complications or misdiagnosis. Compare quotes from all three providers to secure the best rates for your veterinary clinic's coverage needs.

Business insurance costs for veterinary clinics are the following for the four most popular coverage types:

• General Liability: $45 on average per month, ranging from $39 to $52, depending on the state
• Workers' Comp: $20 on average per month, ranging from $17 to $23, depending on the state
• Professional Liability (E&O): $116 on average per month, ranging from $99 to $135, depending on the state
• BOP Insurance: $67 on average per month, ranging from $58 to $78, depending on the state

Veterinarian practice's insurance needs go beyond basic business policies due to the medical nature of services and daily animal handling risks. Workers' compensation is legally mandated in most states with employees, while professional liability and general liability coverage are critical for protecting against treatment-related claims and client injuries at your facility.

Finding affordable coverage that protects your veterinary practice from malpractice claims and animal handling incidents requires comparing quotes and understanding how to get business insurance tailored to your specific risks.

Your veterinary clinic has daily risks from animal bites, surgical complications and client injuries that demand comprehensive protection. biBerk offers the best business insurance for veterinarians, delivering several coverage types starting at $20 monthly for workers' compensation. With competitive rates and a 4.7 MoneyGeek score, you can financially protect your practice affordably.

We answer frequently asked questions about veterinary business insurance:

We selected the best business insurer for veterinary clinics based on the following criteria:

• Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better the company performs.
• Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
• Coverage (15% of score): We scored business insurance providers for this category based on the flexibility, payment and actual coverage options.
• Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely companies are to pay out claims compared to the competition.

All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:

• Three-person business with two employees
• Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
• $150,000 in payroll
• $300,000 annual revenue