Treatment and surgery
Claims that diagnosis, surgery or medication caused an animal's death or injury.
Veterinarian Professional Indemnity
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Veterinarian Professional Indemnity
Professional indemnity for veterinarians, clinics and mobile practices.
Companion animal claims are emotional. Production animal claims are large. A dosing error across a herd, pregnancy testing that is wrong at scale, or certification signed for stock that then cannot be exported produces economic loss no household pet claim reaches. Professional indemnity generally responds to claims that veterinary work or advice caused that loss.
What is it?
Veterinarians work in small animal, mixed, equine, production animal, emergency and specialist practice, as well as government and export certification roles. Registration sits with a veterinary board in each state and territory rather than AHPRA, and board registration and practice standards commonly require professional indemnity cover. Animals in your care are generally treated as property.
What does veterinarian professional indemnity cover?
Animals in your care
Loss of or damage to animals held for treatment, usually a separate extension.
Board complaints
Costs of responding to a veterinary board investigation, where covered.
What affects the cost?
- Species and practice mix
- Surgery, equine and specialist procedures
- Export and certification work
- Number of veterinarians and nurses
- Claims and complaint history
Worth raising on the call
- Production animal and equine work carries far higher loss values than small animal practice.
- Care, custody and control of animals is usually an extension rather than automatic.
- Locum and after-hours arrangements should be declared so they sit inside the cover.
Claims we are commonly asked about
Dosing error across a mob
An injectable is administered at the wrong concentration across a mob of cattle, and stock are lost or held out of sale through a withholding period. The producer claims the animals, the missed sale window and the flow-on production loss for the season.
Complication after a routine desexing
A dog returns days after a routine desexing with peritonitis and needs emergency referral to a specialist hospital. The owner claims the referral costs and, where the animal does not survive, its value as property.
Certificate signed before testing returned
Export health certification is signed for a livestock consignment before all laboratory results are back, and the shipment is rejected at destination. The exporter claims freight, quarantine and holding costs and the value of the consignment.
Worth confirming in the wording
- Worth confirming whether animals in your care, custody and control are addressed, since this is commonly an extension rather than something included automatically.
- Worth confirming how production animal, equine and export certification work is described in the insured business, because those loss values sit far above small animal practice.
- Worth confirming whether locums, students and visiting specialists working in your practice fall inside the definition of insured persons.
Common questions
Does it cover the value of an animal that dies during surgery?
Animals are generally treated as property in Australian law, so a claim is usually measured by the animal's value rather than by emotional loss, and some wordings deal with animals in your care under a specific extension. Production and breeding animals can carry substantially higher values. The detail sits in the policy terms.
Is professional indemnity required to register as a vet?
Veterinary registration sits with a board in each state and territory rather than with AHPRA, and board registration conditions and practice standards commonly address professional indemnity. Requirements differ between jurisdictions, so confirm the current standard with the board you are registered under.
Does it cover a complaint to the veterinary board?
Some wordings include the cost of responding to a board investigation or disciplinary process, often at a sub-limit, and some do not address it at all. Since a complaint frequently arrives without any damages attached, this is one of the more practical things to check before you bind.
What does veterinarian professional indemnity cost?
It depends on the practice rather than a standard rate. The usual drivers are your species and practice mix, the surgical, equine and specialist procedures performed, any export or certification work, the number of veterinarians and nurses, and your claims and complaint history.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See professional indemnity insurance for the wider picture.
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