Workers' Compensation for Veterinary Employees

When Your Employees are Injured on the Job

Your employees are the strength of your practice. You 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.

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Unique Program Features: 

  • Optional endorsement to cover volunteers (automatic in some states)
  • Client relationships matter. PLIT insurance carriers will not typically seek reimbursement from an owner whose animal injures an employee of your practice. This is a significant advantage because it is the insurance carrier’s legal right to subrogate third parties for damages; however, the PLIT’s insurance carriers realized that in the veterinary profession, the philosophy of subrogation will only lead to bad feelings between you and your clients.
  • Access to an innovative premium billing solution that automates workers’ compensation premium calculation and payment when you run payroll. This saves you time and reduces costly mistakes.
  • Permanent partial disability and large loss programs are used when an employee experiences a life-threatening or catastrophic injury. This specialized claims handling involves close coordination with the injured employee, his or her family, and regional and national treatment centers. 

Additional Program Features: 

  • Competitive premiums
  • Standard employers’ liability limits of $500,000. (Higher limits available upon request).
  • Payment plan options
  • Dividend potential—millions of dollars have been returned to participating veterinarians. (By law, dividends cannot be guaranteed in advance).
  • Outstanding service
  • Group buying power and market leverage
  • Medical payments, disability, survivor benefits, and rehabilitation expenses.
  • Claims Management—Save time and money!
  • Highly trained and experienced claims-handling staff to help you through the claims process

Benefits To Help You Reduce Workers’ Compensation Expenses

Workers’ compensation expenses for your practice must be managed like any other business expense. The most effective way to reduce costs is to prevent accidents and manage claims when they do occur. HUB’s Risk Consulting Team produces safety resources specifically for veterinarians such as written material and online training on how to:

  • Prevent bite injuries and manage risk at your practice
  • Prevent musculoskeletal disorders (MSDs) and keep insurance costs down
  • Prevent slips, trips and falls
  • Take precautions for pregnant employees
  • Prepare for an OSHA inspection

When you take advantage of these resources, you can manage risk at your practice and keep your insurance costs down. Ultimately, an effective safety program protects you, your employees, and your bottom line.

PLIT-sponsored workers’ compensation insurance is not available in monopolistic states: North Dakota, Ohio, Washington, and Wyoming.

Please note these coverages and features are offered through our primary carrier, The Hartford. Our other secondary carriers may not include all of these benefits. Please refer to your policy for terms, limitations, and exclusions, or contact the PLIT team. The dividend program is offered through The Hartford.