Veterinary Practice Insurance

Tailored cover for veterinary surgeries. Whether you need cover for onsite or offsite, we aim to provide the right cover for your practice.

03301 235 250

Monday - Friday 8.30am - 5.30pm

Email us for a call back

About Veterinary Practice Insurance


Health and safety and HR support for vets

Free access to Towergate Risk Support, an online health and safety and HR support portal which includes 13 accredited e-learning modules


Vet practice contents insurance

Insured contents covered when working away from the practice


Legal Advice for vets

Access to Markel Law Hub – your very own legal information portal


Peace of mind

We offer our best terms to give you peace of mind that you have the right cover for your practice

Features of Veterinary Practice Insurance

Standard cover

Loss or damage to veterinary equipment

Practice contents are covered both within and away from the practice, for example if scanning machines are taken off site by a vet – providing it is only temporary.

Accurate valuations of your veterinary practice or surgery

Through our trusted partner CPA, we can offer free desktop valuation reviews that can indicate whether the amount you have valued your building at is adequate. Should this indication suggest over or underinsurance, we can help you to arrange a full, on-site valuation at a previously agreed price.

Public liability cover for your veterinary surgery

When dealing with the general public, it is important to have sufficient liability protection in place. Our policy covers £5m as standard and there is no excess amount applied to this aspect of cover.

Tailor your policy to your veterinary practice needs with optional cover

We understand that not all cover available is required by all practices, so to avoid you paying for cover you don’t need, we have some aspects of cover that are optional extras. These include legal expenses, to protect you against legal defence costs and Lorega loss recovery – a service to support you in the event of a claim over £5,000.

Veterinary Practice FAQs


Why do I need employers' liability insurance on my policy?


You are required to have employers' liability insurance if your business has employees. This requirement applies irrespective of whether your staff are full or part time. The insurance covers your legal liability to employees if they are injured at work or become ill as a result of the work, they do for you. The policy will cover your legal defence costs in the event of an employee claim of negligence.


What do you mean by minimum standard of security on my policy?


To provide theft cover, your insurance company will require a minimum level of security on your premises, this will include:

  • Five lever mortise deadlocks complying with British Standard 3621 on all final exit doors
  • Key operated window locks to be fitted on all ground floor and accessible opening windows


Please refer to your policy wording for full details as the requirements can vary according to the type of door and windows you have. This will not apply to any door or window officially designated a fire exit by the Fire Authority.


I own a number of vet practices - can they all be insured under the same insurance policy?


As long as the practices are all the same legal entity, we can cover as many surgeries at any one time as you like.


I have given the wrong professional advice. Can my client claim under my public liability policy.


No, your policy does not provide cover for professional negligence. A professional indemnity insurance policy would be required.


Can I pay for my practice insurance policy in instalments?


If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 0330 123 5921 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim