biBerk earned our top spot for the best small business insurer for veterinary companies due to its affordability and customer service. However, we recommend comparing quotes from our other top picks, including The Hartford, NEXT and Coverdash.
Best Veterinary Business Insurance
Updated: July 15, 2025
Advertising & Editorial Disclosure
Key Takeaways
biBERK is the best business insurance company for veterinary firms because it offers the greatest balance of affordability and customer service.
biBERK offers the cheapest rates for key coverage types like general liability and BOP insurance for veterinary businesses.
To shop for business insurance for your veterinary business, assess the risks in your industry, consult agents and other similar organizations and compare multiple options.
Best Business Insurance for Veterinary Companies
| biBERK | 94 | 98 | 91 |
| The Hartford | 93 | 93 | 91 |
| NEXT Insurance | 90 | 85 | 94 |
| Coverdash | 88 | 87 | 83 |
| Simply Business | 88 | 85 | 83 |
| Progressive Commercial | 87 | 90 | 81 |
| Nationwide | 86 | 80 | 91 |
| Hiscox | 86 | 86 | 87 |
| Thimble | 85 | 86 | 81 |
| Chubb | 85 | 80 | 87 |
*All scores were based on a veterinary business with two employees across professional liability, general liability, workers' comp and BOP policies.
1. biBerk
pros
Cheapest BOP and general liability rates
Backed by Berkshire Hathaway
Fast online quoting and claims
cons
Fewer specialty policy options
COMPANY HIGHLIGHTS
The traditional service approach works especially well for brick-and-mortar veterinary offices. While workers' comp and professional liability rates are higher than some competitors, biBerk's overall value and top-tier pricing in general liability and BOP make it a strong choice.
Backed by Berkshire Hathaway, biBerk combines financial strength with fast online policy management. It doesn't have as many industry-specific add-ons as some competitors, but the low price and easy online tools work well for small or independent veterinary clinics.
2. The Hartford
pros
Lowest professional liability pricing
A+ AM Best financial strength rating
Strong customer service
cons
Less flexibility for online-only policies
COMPANY HIGHLIGHTS
The Hartford offers the lowest-priced professional liability insurance for veterinary companies, along with strong performance across other major coverage types. Known for its A+ AM Best rating, The Hartford is a trusted name in small business insurance. It works well for practices doing surgical procedures or specialized animal care when you want reliable long-term protection. Its traditional service model makes it especially appealing to brick-and-mortar veterinary offices.
3. NEXT
pros
Strong customer reviews
Easy digital setup and management
Affordable liability and BOP rates
cons
Limited agent-based service
COMPANY HIGHLIGHTS
NEXT gives veterinary practices a modern, streamlined experience with reasonable pricing for general liability and BOP coverage. It works especially well for mobile or boutique animal care providers who prefer handling everything online.
With a 4.7-star customer rating, NEXT earns high marks for convenience and service. While not ideal for practices seeking in-person support, it's a great match for solo veterinarians and tech-forward clinics.
Cheapest Business Insurance for Veterinary Firms
Based on our study of business insurance pricing, biBerk offers the cheapest overall commercial insurance for veterinary companies across most policy types. However, this applies only to veterinary companies with two employees and you may find lower rates elsewhere. Below are the most affordable providers by major coverage types.
Cheapest General Liability Insurance for Veterinary Companies
With an average monthly rate of $25, biBerk offers the lowest-cost general liability insurance for veterinary companies. Even so, consider getting quotes from the next-most-affordable insurers: The Hartford and Progressive Commercial.
| biBERK | $25 | $298 |
| Progressive Commercial | $42 | $505 |
| The Hartford | $42 | $504 |
| Coverdash | $45 | $546 |
| Thimble | $45 | $540 |
| Hiscox | $46 | $553 |
| Simply Business | $49 | $585 |
| Chubb | $52 | $622 |
| NEXT Insurance | $52 | $625 |
| Nationwide | $58 | $701 |
Cheapest Workers' Comp Insurance for Veterinary Companies
For veterinary businesses shopping for workers' comp insurance, Thimble tops our list as the most affordable insurer, with average rates of $8 per month or $101 yearly. However, you may find more affordable rates with Progressive Commercial, Simply Business, Hiscox and The Hartford.
| Thimble | $8 | $101 |
| Hiscox | $9 | $112 |
| Progressive Commercial | $9 | $108 |
| Simply Business | $9 | $112 |
| The Hartford | $9 | $114 |
| biBERK | $10 | $118 |
| Coverdash | $10 | $115 |
| NEXT Insurance | $10 | $117 |
| Chubb | $11 | $135 |
| Nationwide | $11 | $126 |
Cheapest Professional Liability Insurance for Veterinary Companies
The Hartford offers the most affordable professional liability insurance options for veterinary companies, with low average monthly rates of $103. You may also want to compare prices from other low-cost providers like NEXT, Progressive Commercial and Hiscox.
| The Hartford | $103 | $1,232 |
| NEXT Insurance | $108 | $1,298 |
| Progressive Commercial | $110 | $1,323 |
| Hiscox | $114 | $1,367 |
| Simply Business | $115 | $1,378 |
| Thimble | $115 | $1,385 |
| Coverdash | $117 | $1,403 |
| biBERK | $119 | $1,433 |
| Nationwide | $125 | $1,504 |
| Chubb | $135 | $1,614 |
Cheapest BOP Insurance for Veterinary Companies
biBerk provides the most affordable business owner's policy (BOP) coverage for veterinary companies, with an average yearly cost of $391 for bundled general liability and property protection. That's a savings of roughly $253 annually compared to The Hartford, the second most affordable option.
| biBERK | $33 | $391 |
| The Hartford | $54 | $644 |
| Progressive Commercial | $63 | $760 |
| Coverdash | $66 | $789 |
| Hiscox | $70 | $834 |
| Thimble | $70 | $846 |
| Simply Business | $73 | $876 |
| NEXT Insurance | $75 | $903 |
| Chubb | $78 | $939 |
| Nationwide | $87 | $1,045 |
What Type of Coverage Do You Need for a Veterinary Business?
If you have employees, you'll need workers' comp insurance by law, and any business vehicles require commercial auto coverage. Most clients will want you to have general liability insurance before you start work. Some contracts also require surety bonds, especially when clients need guarantees about your service or compliance.
RECOMMENDED VETERINARY BUSINESS COVERAGE
General liability insurance is strongly recommended for veterinary businesses as it covers common risks like bodily injury, property damage and legal defense costs. Professional liability insurance is also a smart option for businesses that work under client contracts or provide specialized services. This coverage helps most when you're doing specialized work or handling big contracts where disputes are more likely.
How to Get the Best Cheap Business Insurance for Your Veterinary Company
Here's a step-by-step method for finding the best and cheapest business insurance for your veterinary company.
- 1
Decide on coverage needs before buying
Think about what could go wrong in your veterinary practice, talk to other vets about their experiences, consult with agents and research the types of business insurance. Understanding risks upfront helps you buy the right coverage without paying for protection you don't need.
- 2
Research costs
Know what you should expect to pay before you start shopping. Look up typical insurance costs for veterinary practices your size, then identify which companies offer the lowest rates. This homework gives you negotiating power and helps you spot a good deal.
- 3
Look into company reputations and coverage options
Check out what real customers say about each insurer on sites like Trustpilot and Google, or browse Reddit threads where business owners share their experiences. While you're at it, dig into each company's coverage options since your practice might grow or change.
- 4
Compare multiple quotes through different means
Get quotes from at least three companies. An independent agent might find you a deal that doesn't show up on a company's website. Online comparison tools are quick, but calling insurers directly sometimes unlocks discounts.
- 5
Reassess annually
Your business situation will change, influencing your rates and coverage needs. Repeat these steps annually to ensure you still have the best deal.
How to Decrease Your Veterinary Business's Liability Risk
Reducing risk helps keep your veterinary practice's insurance costs down. We've organized practical risk-reduction strategies by business type and risk level to help you protect your practice.
Veterinary Risk Type | Included Types of Veterinary Businesses | Risk Mitigation Tactics |
|---|---|---|
Highest | Surgical animal hospitals, specialty care clinics | Require veterinary malpractice insurance, perform pre-op screenings, use anesthesia logs, maintain double-check systems for medications, use incident reporting systems |
Moderately High | General clinics with multiple staff, mobile units | Use secure leash/restraint protocols, train all staff in animal handling and client communication, sanitize exam rooms thoroughly, check equipment daily |
Moderate | Solo vet practices, home-based setups | Maintain pet owner intake logs, disclose risks before treatment, store medications securely, operate within local scope-of-practice laws |
Moderately Low | Mobile-only providers or wellness-focused clinics | Set realistic appointment durations, confirm pet history before treatment, secure mobile equipment, use telehealth backups where permitted |
Lowest | Admin-only services or telehealth vet platforms | Use secure digital platforms for patient data, document all client instructions, limit service to virtual consults only unless licensed for in-person care |
Best Insurance for Veterinary Business: Bottom Line
biBerk is the best insurer for veterinary business insurance, while it also offers the cheapest option overall. We also recommend getting quotes from The Hartford, NEXT, and Coverdash. For the best deal, talk to agents, research providers and pricing and compare multiple quotes side by side.
Veterinary Business Insurance: FAQ
We answer common questions about business insurance for veterinary practices.
Who offers the best veterinary business insurance overall?
biBERK provides the best business insurance for veterinary companies, with solid customer service and a MoneyGeek score of 94 out of 100. The Hartford is a close competitor with a score of 93.
Who has the cheapest business insurance for veterinary companies?
Here are the cheapest business insurance companies for veterinary companies by coverage type:
- Cheapest general liability insurance: biBERK at $25 per month
- Cheapest workers' comp insurance: Thimble at $8 per month
- Cheapest professional liability insurance: The Hartford at $103 per month
- Cheapest BOP insurance: biBERK at $33 per month
What business insurance is required for veterinary organizations?
Workers' compensation insurance (if you have employees) and commercial auto insurance (if you own business vehicles) are legally required for veterinary businesses, with requirements varying by state. While not legally mandated, general liability insurance and surety bonds are effectively required by most commercial clients and property leases.
How much does veterinary business insurance cost?
Business insurance costs for veterinary companies depend on your practice size, number of staff and specialty services. Below we've broken down average monthly costs for commonly needed policies:
- General liability: $46 per month
- Workers comp: $10 per month
- Professional liability: $116 per month
- BOP insurance: $67 per month
How We Chose the Best Veterinary Business Insurance
We selected the best business insurer for veterinary companies 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 it 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 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 a company is 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
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AM Best. "Hartford Fire Insurance Company." Accessed June 16, 2025.
- NEXT. "Customer Reviews." Accessed June 16, 2025.
- Trustpilot. "Thimble." Accessed June 16, 2025.