Veterinary Practice Insurance

Features and Benefits

Surgery Protect provides an extensive range of features and benefits enabling you to tailor cover to the requirements of your veterinary practice, ensuring you are totally protected.

Standard Veterinary Practice Insurance


  • Animals in custody 
  • All risks
  • Full theft cover
  • Drugs and medical stocks 
  • Controlled drugs  
  • All risks away from premises  
  • Works of art  
  • Money 
  • Locks and keys  
  • Clothing and personal effects cover 
  • Deterioration of stock 
  • Personal accident assault
  • Computers – accidental and malicious erasure
  • Lamps, sign and nameplates 


  • All risks for buildings, including costs for demolition, removal of debris, architects’ and solicitors’ fees
  • Trace and access 
  • Metered water 

Business Interruption

  • Market leading cover, as standard


  • Employers' liability 
  • Public liability 
  • Products' liability 

Commercial Legal Expenses

  • 'Cover for employment tribunals
  • Compensation awards
  • Taxation proceedings
  • Criminal prosecution defence
  • Damage to premises
  • Jury service cover

Optional Covers Available

  • Terrorism
  • Directors and Officers' liability cover
  • Engineering cover
  • Loss recovery
  • Standard limits can be increased on request

Overheads Insurance

  • Illness and Accident - You are insured against accident or illness which results in your being unable to work. The policy also makes a lump sum payment if you have an accident resulting in your death or injury. The sums range from £10,000 for accidental death, loss of limbs or sight, to £5,000 for loss of hearing.
  • Jury Service - If you are called for jury service, a proportion of the weekly benefit is payable for each 24 hours you are required to attend, up to a maximum of 52 weeks. There is no deferment period for jury service claims.
  • Suspension Cover - If you are suspended from practicing, the weekly benefit is payable for up to 52 weeks (after expiry of the deferment period).
  • Delayed Return From Holiday - If you are on holiday with a member of your family who is injured or becomes ill, and you are required, on medical grounds, to stay with them, resulting in your return home being delayed, the weekly benefit is payable for a maximum of four weeks. There is no deferment period.