Veterinary License Defense and Excess Limits

Annual Premiums Effective January 1, 2016

Veterinary License Defense

As veterinary licensing agencies more aggressively investigate complaints, disciplinary board actions are increasing. Finding an attorney qualified in regulatory matters is hard enough, then you have to pay his or her fees. This optional endorsement responds to complaints against your veterinary license, including frivolous accusations that could cost you thousands of dollars out-of-pocket to defend (subject to policy terms, conditions, and exclusions). Legal fees to defend your veterinary license are not covered under your PLIT professional liability policy without this endorsement.

PlanDefense LimitAnnual Premium
3$100,000* $112 

*Plan 3 is not available in California at this time. Plan 1 premium is $69 in the state of California


Find a link to your state veterinary regulatory board's website here. 


Notice:This covers disciplinary issues that arise out of incidents that occur after the date coverage is secured. If you have had a regulatory action taken against any veterinary license in the past three years, you must wait three years from the date of the regulatory action to apply for this endorsement. A regulatory action means any formal warning, restriction, probation, fine, penalty, suspension, or revocation of any veterinary license. A dismissed complaint is not considered a regulatory action. If you are involved in an ongoing investigation, you are not eligible for coverage. Please contact us when the outcome has been finalized to determine eligibility.


Ready to add license defense coverage to your insurance portfolio or increase your existing limits? Get a quote today!


Excess Limits (For All States Except Ohio)

If you currently carry the highest primary professional liability plan and desire more protection, you may purchase excess coverage which provides additional coverage. Higher limits are available upon request. Limits are listed as per occurrence / annual aggregate.

Ohio Veterinarians: view your excess rates

PlanLimitsPredominantely EquineFood Animal or Mixed PracticePredominantely Small AnimalSmall Animal Exclusive
1$1,000,000 / $1,000,000$430$212$124$95
2$2,000,000 / $2,000,000$700$344$201$155
3$3,000,000 / $3,000,000$925$455$266$205
4$4,000,000 / $4,000,000$1,086$535$313$241
5$5,000,000 / $5,000,000$1,204$592$347$267



Predominantly Equine: 70-100% of professional activity is devoted to equine practice
Food Animal or Mixed Practice: 70-100% of professional activity is devoted to food animal practice OR any combination in which no one animal type is 70% or more
Predominantly Small Animal: 70-89% of professional activity is devoted to small animal practice
Small Animal Exclusive: 90-100% of professional activity is devoted to small animal practice

*The Trust classifies wildlife, zoo, and fur-bearing animals as small animal. Cervidae, poultry, and ratites are classified as food animals.