Discover the Trust

Is your practice properly protected?

Most veterinarians know the AVMA Trust for professional liability insurance, but the AVMA Trust is designed by veterinarians for veterinarians to offer comprehensive insurance coverage and risk-mitigation resources for veterinarians at all stages of their careers — including practice owners like you.

Protect Your Practice

Business Owner's Package

A key part of your business is your physical space: your building, medical equipment, furniture, computers, and more. Veterinary Business Property and Liability insurance – also known as a Business Owner’s Package – protects all that and more.

Employment Practices Liability

As important to a practice owner as professional liability coverage, EPL coverage responds to allegations such as wrongful termination, discrimination, and sexual harassment.

Animal Bailee

If you hospitalize, board, or transport animals, you could be held responsible for the injury, loss, or death of an animal in your care. This coverage is even more of a must with curbside service during COVID-19.

Data Breach

Every business is susceptible to cyberattacks and data breaches — and the average data-breach cost to a business owner is high: $214 per individual compromised record. Don’t get caught footing this bill yourself.


A flood can quickly cause thousands of dollars of damage to floors, medical equipment, and biologicals. Without a flood insurance policy, all flood-related expenses must be paid out of your pocket.

Commercial Auto

Just as with personal vehicles, it is against the law to drive a commercial vehicle without insurance to cover injuries or damage to others that an employee causes as a result of a car accident.

Professional Overhead Expense1

If you are unable to run your business due to a covered disability, this coverage can help provide for operational expenses like rent, utilities, and employees’ salaries.

Is your practice protected?


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Protect and Support Your Team

Workers' Compensation2

Your business is more than just property. Workers’ Compensation protects your team members financially if they are injured on the job. A good program also can provide strategies for avoiding injuries in the first place. 

Association Health Plan

Healthy employees are happy employees. Finally, veterinary practices of all sizes have access to an affordable group health plan for their teams. Plans are available in Arizona, Arkansas, Florida, Georgia, Illinois, Michigan, Montana, Nebraska, North Dakota, Oklahoma, West Virginia, and Wisconsin.

Employee Benefits Program3

Give your employees extra peace of mind by providing them with a variety of group insurance products and value-added services, including life insurance, short- and long-term disability insurance, an employee assistance program, estate guidance, and more.

Association Retirement Plan4

The AVMA Trust plan – available to practice owners and their teams – was designed with the unique needs of the profession in mind, while offering cost efficiencies, simplified administration, and reduced fiduciary burden.

Is your team protected?


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Protect Yourself and the Ones You Love

Professional Liability

Also known as malpractice insurance, this coverage responds when you are accused of veterinary malpractice. Even if a claim of malpractice is unfounded, the cost of defending yourself and your business can be devastating.

Veterinary License Defense

This coverage offers protection against complaints on your veterinary license, including frivolous accusations that could cost you time and thousands of dollars to defend. It can offset the cost of legal fees to protect your ability to practice.

Personal Insurance

Homeowner’s, renter’s, and auto insurance are available for you and all members of your practice (including non-veterinary staff). Add Personal Excess (commonly known as umbrella) coverage for an additional layer of protection over your individual primary policies, including homeowner’s, auto, watercraft, and RV policies. 

Disability Insurance1

If a covered accident or illness keeps you from working, this coverage provides a cash benefit to help with everyday living expenses. Short- and long-term disability coverage is available.

Life Insurance1

Could your family maintain their quality of life if your life was lost? Provide protection for your loved ones for a potential day when you can’t be there to support them.

Are you and your loved ones protected?

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Protect Your Health and Wellbeing

Hospital Indemnity Insurance1

Traditional health insurance rarely covers all the expenses of an accident or illness – especially if hospitalization is involved. Help fill in the gaps with this coverage.

Critical Illness Insurance1

In the event of a health emergency such as cancer or a heart attack, a cash benefit paid directly to you for qualifying conditions can help lessen the financial burden of a serious illness by helping cover medical bills, deductibles, or even day-to-day expenses.

Dental and Vision

Take advantage of competitive rates on coverage through Delta Dental of Illinois.

Is your health and wellbeing protected?


Discover the Trust
1 Group insurance underwritten by New York Life Insurance Company (NY, NY 10010) on policy form GMR.
2 AVMA PLIT-sponsored Workers’ Compensation insurance is not available in monopolistic states: North Dakota, Ohio, Washington, and Wyoming.
3 This program is offered in partnership with The Hartford. All benefits are subject to the terms and conditions of the policy. Services are offered through vendors which are not affiliated with The Hartford and these services are not insurance. The Hartford is not responsible and assumes no liability for the goods and services described in this material and reserves the right to discontinue any of these services at any time. Service may vary and may not be available in all states.
4 The AVMA Trust Association Retirement Plan is offered through Transamerica, in partnership with TAG Resources and Envestnet Retirement Solutions.
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