The AVMA Trust has developed a scorecard and quiz to help practice owners vet their existing business policy or evaluate new business coverage. Use this tool to discover whether your practice is adequately protected against risks commonly faced by veterinary practices.

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* 1. Please provide your contact information.

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* 2. Do you have coverage for damage caused by animals to your building and property?

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* 3. Do you have coverage for auto accidents involving employees driving their own vehicles for work-related tasks and errands?

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* 4. Is your practice covered against the loss of medicine, specimens, and other important veterinary items when refrigerators, freezers, or storage tanks are damaged or lose power?

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* 5. Do you have coverage for business property or equipment that is normally stored at the practice but is damaged off-premises when traveling to treat a patient?

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* 6. Does your practice have coverage for medical and other essential equipment always stored in a mobile veterinarian’s vehicle?

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* 7. Does your practice have protection from a loss caused by employee dishonesty?

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* 8. Are you covered against the loss of income or extra expenses when a practice’s operations are suspended?

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* 9. Do you have protection against power interruptions or surges, (i.e. when lightning causes power surges through electrical circuits, resulting in the damage or destruction of equipment)?

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* 10. Does your current insurance policy have a co-insurance penalty?  
A co-insurance clause imposes a penalty when policyholders suffer a loss and did not purchase an adequate amount of coverage.

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* 11. Does your policy cover actual cash value or replacement cost for broken or malfunctioning equipment?

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