Alishahi InsuranceIndependent Insurance Broker
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Who insures it · 4 named markets · read 2026-10-28

Who insures Veterinarians?

Veterinarians is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

4 markets publicly write Veterinarians: AVMA PLIT (administered by Pearl Insurance), Kinsale Insurance, Pharmacists Mutual Insurance Group (PM Vet Protect), West Bend Insurance Company. 2 admitted carriers, 1 program administrator, 1 E&S carrier.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
AVMA PLIT (administered by Pearl Insurance)
Program administrator		Professional liability for licensed AVMA member veterinarians through the AVMA Administrative Services, LLC and AVMA PLIT Risk Purchasing Groups, underwritten by Zurich American Insurance Company; related products for practice owners, students, animal bailee, embryo and semen storage and license defense.
“This coverage is available to licensed AVMA member veterinarians practicing within the United States”		United States, Puerto Rico, Guam and Virgin Islands (separate rates in OH, CA, USVI and military bases)not statedavmainsuranceservices.com · read 2026-10-28
Kinsale Insurance
E&S carrier		Health Care – Veterinary Medicine section covering veterinarians, vet techs, animal behavioral specialists and miscellaneous animal services such as trainers and groomers.
“veterinarians, vet techs, animal behavioral specialists, and miscellaneous animal services like trainers and groomers”		not statednot statedkinsaleins.com · read 2026-10-28
Pharmacists Mutual Insurance Group (PM Vet Protect)
Admitted carrier		PM Vet Protect: veterinarian professional liability with license defense, optional sexual misconduct/physical abuse, animal bailee and embryo/semen storage extensions, plus commercial and businessowners veterinary clinic insurance with general liability and specialized endorsements for practice owners.
“PM Vet Protect safeguards your finances and your reputation with specialized insurance for veterinarians.”		not statednot statedpmuw.com · read 2026-10-28
West Bend Insurance Company
Admitted carrier		Veterinary practice insurance including professional liability, sold through independent agents.
“Our veterinary practice insurance, including professional liability insurance, provides comprehensive coverage”		through independent agencies in 14 states (AZ, IL, IN, IA, KS, KY, MI, MN, MO, NC, OH, TN, VA, WI)not statedthesilverlining.com · read 2026-10-28

Veterinary Insurance Services Co (veterinaryinsurance.com) renders no text without JavaScript; The Hartford timed out; Nationwide's business pages list no veterinary link; Travelers, PHLY, USLI, CNA and Prime pages fetched do not name veterinarians.

How Veterinarians gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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