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.
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 an animal in your care or control is injured, lost, or dies outside of treatment, you could be held responsible. If you hospitalize, board, or transport animals, be sure you have this important coverage endorsement.
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.
Flood
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.
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.
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.
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.
Address: PO Box 1629, Chicago, IL 60690-9850
Tel: 800-228-PLIT (7548)
Email: info@avmaplit.com
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