Health Care

Health Care – Veterinary Medicine

Kinsale’s Health Care Division offers specialized coverage for Veterinary Medicine professionals and practices. Our products include Professional Liability, General Liability, and Bailee’s coverage. Products are available monoline or combined, allowing you to build custom protection for animal care professionals who face risks ranging from malpractice and regulatory concerns to unpredictable animal behavior and day-to-day third-party exposures.

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Policy Structure:

• Professional Liability coverage
• Claims-Made & Reported coverage form
• Consent to settle with hammer clause
• Per claim deductible that applies to both indemnity & expense
• Broadened coverage & preferred pricing available for select risks with favorable claims history, low acuity specialty, & other merits
• Typical primary limits of $1M/$3M
• Up to $5M in excess available through Kinsale’s Excess Professional Division
• Group policies with multiple providers receiving individual limits of liability are available
• 12-, 24-, & 36-month tail options available

Available Coverage Enhancements:

• Cyber Liability coverage
• Defense Outside the Limit
• Damages-only deductible
• Incident coverage trigger
• Limited DD&R provision
• Supplementary payments

Submission Requirements:

• Application (signed & dated) with appropriate supplemental application
• Five-year currently valued loss runs
• Copy of curriculum vitae & declarations page