Whether you're working with a solo mobile veterinarian or a national network of 24-hour emergency clinics, Safehold offers comprehensive and flexible coverage options. This program is available in most states and is supported by a dedicated claims and risk control team that knows the veterinary space inside and out.
Target Classes
This program is ideal for:
- Single-location and multi-location veterinary practices
- Large animal, equine, and household pet veterinary operations
- Specialty and emergency veterinary hospitals
- Mobile veterinary practices
- Veterinary behaviorists
- Pet lodging and daycare facilities
- Pet groomers and trainers
- Humane Societies, SPCA’s, and animal shelters with veterinary or kennel exposures
If you have a client running a mobile vet unit with customized vehicles, or a nonprofit shelter with both veterinary and boarding services, this program can provide tailored protections others may not offer.
Coverage Highlights
Safehold’s Veterinary & Animal Services Insurance program includes comprehensive options:
- Business Owners’ Policy (BOP): Property, general liability, business interruption, employee dishonesty, and animal damage to property.
- Professional Liability: Included in the BOP for veterinarians, techs, interns, groomers, volunteers, and others. Features include:
- No “Hammer Clause”
- Consent to Settle provision
- Expert witness support
- Coverage across the US (including territories), Puerto Rico, and Canada
- License Defense: Up to $100,000 annually including legal and expert support.
- Animal Bailee: Covers injury, death, or escape of animals in care—including transit—with no per-animal sublimit. Limits start at $50,000 with higher options available.
Additional Coverage Options
- Workers’ Compensation: Includes post-exposure rabies treatment; covers volunteers in veterinary hospitals.
- Business Auto: Enhancements for mobile veterinary vehicles.
- Umbrella Liability and Employment Practices Liability
- Directors & Officers Liability and Cyber Liability
- Natural Disaster Protection: Flood, earthquake, landslide
- Builder’s Risk and Special Events Liability
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the lines of business and selected coverages. Safehold’s underwriting team works closely with agents to structure the right combination of policies for each account, with flexibility to scale from small practices to large multi-location operations.
Territories and Availability
This program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Most coverages are written on an admitted basis.
Why Work With Safehold Special Risk?
Safehold stands out for its decades of experience and veterinary-led program management. The team understands the nuances of animal-related risk and delivers more than just policies—they provide monthly staff safety materials, onsite loss control surveys, and responsive claims handling. You’ll benefit from a collaborative and specialized approach that supports both you and your clients in the veterinary and animal services sector.
To learn more or discuss a specific account, visit the Safehold Special Risk company profile or go directly to the Veterinary Services Insurance program page.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for veterinary clinics, mobile veterinary services, pet groomers, boarding and daycare facilities, and nonprofit animal shelters with veterinary or kennel operations.
Is professional liability coverage included for non-veterinarian staff?
Yes. The program includes professional liability coverage for veterinary technicians, interns, externs, groomers, trainers, and even volunteers.
Are mobile veterinary units insurable under this program?
Yes. Special business auto coverage extensions are available for vehicles modified for mobile veterinary services.
Can this program provide coverage for nonprofit animal shelters?
Yes. Humane Societies, SPCA’s, and similar organizations with veterinary or kennel exposures are within the program’s appetite.
What is the geographic coverage area for this program?
The program is available in most states and provides coverage across the US, including territories, as well as Puerto Rico and Canada.
Need help placing an account? Connect with a market specialist.