Veterinarians – and the organizations that support them – face unique risks in their professional lives, which means they need unique insurance solutions to protect them.
The AVMA Trust has been supporting the profession for over 60 years, providing access to coverage and resources designed by veterinarians for veterinarians. Today, AVMA members and state VMA teams have access to personal and professional coverage as well as group benefit programs through AVMA PLIT and AVMA LIFE.
We invite the VMAE, other affiliated organizations, and their members to discover how the Trust can help protect you, your practice, or your organization.
Discover the Trust |
Workers' Compensation1
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.
Practice Healthcare Solutions
Employees place a high value on employer-provided group healthcare benefits. Show them you care by letting the AVMA Trust find the healthcare solution that’s right for your practice and your team
Employee Benefits Program2
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 Plan3
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.
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 you hospitalize, board, or transport animals, you could be held responsible for the injury, loss, or death of an animal in your care. This coverage is even more of a must with curbside service during COVID-19.
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 Expense4
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.
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 Insurance4
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 Insurance4
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 Insurance4
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 Insurance4
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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