AVMA PLIT

Emergency Clinics

If you are a shareholder or officer of an emergency clinic and carry PLIT-sponsored professional liability insurance, you are protected against allegations of malpractice from a veterinary incident. You may, however, have exposures that arise from business decisions made on behalf of your organization that are not covered by professional liability insurance. So to cover these new exposures, secure directors and officers liability insurance to protect the assets of emergency clinic directors and officers, including defense costs to respond to allegations of harassment, discrimination, and wrongful termination.

Directors and Officers Liability

In addition to directors and officers liability and professional liability, an emergency clinic needs commercial package, commercial auto, workers' compensation, and employment practices liability.

Business Insurance

The PLIT-sponsored package policy has been developed specifically to meet the unique practice insurance needs of veterinarians. The policy is designed to help keep your practice open so you can serve your clients.

Workers’ Compensation

Your employees are the strength of your business. You’ll spend a great deal of time hiring and training them. Secure workers’ compensation coverage from an insurer that will treat your employees fairly and get them back to work as soon as they’re able.

Employment Practices Liability

Would you practice veterinary medicine without malpractice or fire insurance? If you answered no—you should secure employment practices liability (EPL) insurance immediately because it is just as important to a practice owner. EPL coverage responds to allegations such as wrongful termination, discrimination and sexual harassment.

Professional Liability (Malpractice)

When you are accused of professional malpractice, the program will vigorously defend you and pay the costs that you become legally responsible for due to allegations of professional negligence. Coverage automatically extends to veterinary-related activities such as speech making, consulting, clinical instructing, and serving as a member of a licensing or veterinary accreditation board.

The PLIT-sponsored professional liability policy provides valuable protection and defense for allegations made against employers for the actions of employees. However, employed veterinarians are not protected by the owner’s policy. Employed veterinarians must carry individual professional liability insurance for protection.

Every veterinarian working at the practice should carry an individual policy. Coverage automatically extends to your non-veterinarian employees.

If you currently carry the highest professional liability coverage plan and desire more protection, purchase excess coverage. Limits are available up to $6,000,000 per claim and up to $8,000,000 annually.

Personal Insurance

AVMA and student AVMA members can save up to $327.96 per year on auto and home/renters insurance with Group Savings Plus®*. AVMA PLIT directed its broker to work with Liberty Mutual Insurance Company to provide you with a special group discount, high quality services and insurance coverage counseling that will help you and your family live safer, more secure lives.

Loss Control & Risk Management

In addition to our valuable insurance solutions for your veterinary practice, the PLIT-sponsored programs offer a full array of resources for you and your employees.