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Insurance for veterinarians

We appreciate what it’s like to be a vet, and understand the little things that matter, like how you probably always carry animal treats in your pockets and bags, just in case.

We also understand the importance of offering you insurance policies that suit the growing needs of your profession, no matter where you’re at in your career. 

Business insurance

Business
insurance

Protects your veterinarian for building, contents and more.

 

What you should know about insurance

Professional indemnity insurance covers you for your civil liability when a claim arises from a breach of your professional duty. Many professional policies at Guild Insurance combine professional indemnity, public liability, and product liability to cover more of your professional duties. Business insurance, on the other hand, is a broader category that encompasses various types of coverage designed to protect businesses from a wide range of risks. This can include property damage, theft, and liability claims from third parties.

For professionals providing advice or services:

  • Assess your service risk: Evaluate the potential risks associated with your professional advice or services. Consider the possibility and implications of your advice or actions leading to a client's physical, psychological, or financial detriment. Reflect on the likelihood and consequences of a situation where an error or omission on your part could lead to legal action.
  • Understand legal requirements: Familiarise yourself with the legal and regulatory landscape relevant to your profession. Is holding professional indemnity insurance a legal requirement or an industry standard in your field? For certain contract positions and many allied health professionals regulated under Ahpra, professional indemnity and/or public liability insurance is required.
  • Consider your financial exposure: If faced with a legal claim, could you afford the legal defence and potential damages out of pocket?

For business owners protecting their operations:

  • Identify your business assets: Determine which physical assets are crucial to your business operations, such as property, equipment, and inventory. Consider the consequences if these assets were damaged, stolen or lost.
  • Evaluate liability risks: How likely is it that someone could be injured or their property damaged because of your business activities? This includes both public liability and product liability.
  • Consider business interruptions: Think about the resilience of your business in the face of unforeseen events that might force temporary closure. How would such interruptions impact your financial stability?

If you are unsure of the cover you require, please contact us on 1800 810 213 to speak to an insurance specialist.

Guild Insurance logo with tagline Don't Go It Alone

Why choose Guild Insurance as a Veterinarian?

Unlike many of our competitors, we are a 100% owned direct insurer. Which means not only do we work with your association (AVA) with developing your policy, we work with them while administering it.

We partner with:

AVA-Logo-265

We don’t answer to an international head office, and your policy is secured right here in Australia. All decisions are made at Guild, by someone who has a relationship with your association.

Ahpra Regulated Profession

Endorsed by 10 out of 15
Ahpra regulated professions

24/7 Claims Support

24/7 Claim Support

Legal Defence

Members have access to solicitors at Meridian Lawyers with over 100 years cumulative experience

Hear from other veterinarians 

Veterinarians Business

01/12/2024

Quote Icon Simon our advisor was very helpful, took time to explain everything to us in detail and answered any questions very well. The follow up to any emails after was also prompt
Veterinarians Business

01/03/2025

Quote Icon Very helpful and quick. I didn’t really know what policy I needed so some more in depth industry knowledge would be great.
Veterinarians Renewal

01/04/2025

Quote Icon Very helpful at evaluating our current needs for our business insurance. Great customer service from our account manager Stephanie. Highly recommend.
 customers recommend
Working with over 130 associations
Insuring Australians for over 59 years
Insuring Australians for over 60 years
100% Australian owned
100% Australian owned

Learn how veterinarians avoid claims with RiskHQ

Managing complaints in veterinary practice

May 9, 2019, 10:05
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Title : Managing complaints in veterinary practice
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Receiving a complaint is often an unexpected part of running any business, including a veterinary practice.  No business is immune from receiving a complaint, regardless of how successful it is or how customer focused staff are.  There can be a tendency to see a complaint as a personal criticism rather than constructive feedback.  However there can be positive outcomes when the situation is managed appropriately.

Why do people complain?

There are many reasons why clients might complain about your practice and the service they’ve received.  Sometimes a complaint will almost be expected following an incident; sometimes it will take you by complete surprise.  Having an understanding of why people may complain can assist with managing a complaint if it occurs and potentially reducing the likelihood of further complaints.  The following are some of the reasons why people may feel the need to complain.

High expectations – consumer expectations are increasingly high when engaging professional services.  Your clients sometimes pay a lot for your service and will most likely see you as a highly trained and qualified professional.  This view can have an effect on their expectations about the service and outcomes they anticipate. 

Unrealistic expectations – it’s possible that clients may have unrealistic expectations about what they can reasonably expect from veterinary care.  Their high expectations may at times surprise you.  It’s therefore important to remember that most clients will not have the clinical knowledge you do and what’s obvious or common sense to you may not be to them.  A practice must assist clients to be clear and fully informed about the treatment being provided and the outcomes they can realistically expect.  This requires ongoing discussions with clients and, where possible, written information to assist their understanding.

To inform and be heard – clients may wish to make a complaint about an incident or poor outcome simply so they are sure you and your staff are aware of what has occurred and how they feel.  They may wish to complain simply to be listened to and acknowledged, especially if they have been adversely impacted.  Not all complaints will lead to a formal demand for compensation.

Belief that someone is responsible – when something goes wrong we often try to determine who’s responsible.  Sometimes someone is obviously responsible, sometimes it is hard to determine who’s responsible and other times there is no one person responsible but just an unfortunate set of circumstances.  However if a client thought something had gone wrong and this led to their animal being harmed, it’s quite possible they may complain with the intention of holding someone responsible and possibly liable.

Significant emotional or financial suffering – in many veterinary cases, it is the family pet being treated.  When treatment doesn’t go as planned, the owner of the animal is likely to be emotionally affected.  Seeing your animal unwell is quite distressing for many pet owners.  In other cases the client will be someone, such as a breeder, who makes their living from their animals.  Whilst they may still have an emotional connection to their animals, there is also a financial factor.  If there is a poor outcome with these animals, a person’s income and livelihood may be affected.

The importance of managing complaints

There may sometimes be a temptation to ignore a complaint and hope it’ll just go away.  Maybe the client won’t follow up.  Maybe the incident won’t occur again.  This is a very short-sighted way to run any business as there are clear benefits to appropriately managing complaints.

  • Clients will generally expect to see their complaint dealt with quickly and fairly. When this doesn’t happen it’s possible that further complaints will follow and the issue or concern could become a much greater one. Complaints may also escalate to your state Veterinary Board.
  • Managing complaints should be seen as good ‘customer service’. You rely on clients to keep your business afloat. When clients are unhappy with a service they’ve received, they can talk with their feet by not returning to the practice. Keeping clients happy and satisfied is more likely to see them continue to utilise your service and recommend your practice to others.
  • Complaints can provide a practice with an opportunity to review and improve their service. Receiving a complaint may highlight an issue which the practice had not been aware of. When investigating and dealing with the complaint, the practice may wish to consider a change in a procedure to avoid that issue arising again in the future.

How to manage complaints

It’s advisable that every veterinary practice has a complaints policy.  This means that the practice will have an agreed-to process for dealing with a complaint which allows for all complaints to be dealt with in a fair and consistent manner.  It also means staff know what to do which is important as managing complaints can be a challenging situation to deal with.

A key aspect in dealing with any complaint is listening to the person.  Where possible, make time to sit down in a quiet space and give them time to express what their concerns are.  Make the effort to hear what they have to say and take on board what they have told you.  You may not agree with all they are saying, however it helps if you can try to understand the situation from their perspective.  You may wish to ask them to document their concerns so you both have an accurate record of the matter.  Avoid being defensive or taking the complaint personally as this may inflame the situation.

With low level complaints you may be able to offer a solution there and then.  However this won’t always be the case.  With more serious complaints you should provide the person with an assurance that you’ll investigate the matter and get back to them with a response at a later date.

Guild Insurance expects those insured with us not to admit liability (or name someone else as being at fault), or to offer any compensation without contacting us first.  Contact Guild Insurance on 1800 810 213 as soon as you’ve received a complaint; don’t wait till it escalates to a claim for compensation.  We will provide advice and support to assist you to deal appropriately and professionally with what can be a challenging and possibly upsetting situation.  Utilising this support can be the difference between sorting a problem quickly and it escalating to a serious claim.

Download PDF here.

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More frequently asked questions for veterinarians

The law governs that any professional exercise the required skill to an appropriate level expected by that profession. A professional may be liable for financial loss, injury or damage arising from an act, error or omission of fault if the professional has not acted to the required level of skill deemed in that profession. Failure through this may result in the claimant (person who suffered the loss) be awarded for that loss, damage or injury.

Many professions require you to hold a professional indemnity insurance policy by law, such as Ahpra registered professions, but can be for other industries such as financial institutions also. Please check with your registration body or associations of your profession to know if it is required by law to have professional indemnity insurance. It is often also required by companies who take on contract workers that are not governed under the companies own insurance policy. It is acceptable for a company to ask you as the professional contractor to provide evidence of cover for professional indemnity before starting the contract period.

As stated above professional indemnity insurance covers you for breaches in relation to your professional duty. Liability insurance covers you for activity that results in personal injury or property damage as a result of your business activities that do not relate to your specific profession. An example may be someone who trips and is injured from spilled water within your office may be covered under liability, because it is your duty of care as business person to provide a safe environment. Whereas a person who suffers a loss or injury because of your professional treatment in relation to your job has caused it would usually be consider as an indemnity breach.

Generally business insurance is to cover the physical assets of your business for material damage loss and options for theft cover. It can also include cover for financial loss due to business interruption. Usually basic insurance does not cover breach of duty or flood cover, but if you speak to an insurance specialist it can often be added to your policy for a nominal fee.

Depending on the policy you are taking out, covers will often vary. At Guild insurance we specialise in making a policy to suit your business so that you are not over paying for covers you wouldn't normally need. The best thing to do is call 1800 810 213 to speak to an insurance specialist, they can find out what activities and structure your business is in to then provide you with adequate cover for you.

A certificate of currency (or COC for short) is a written document that confirms that your insurance policy is current and valid at a specific date and time. At Guild we provide easy access to your COC at any time within a few clicks of our online portal PolicyHub. If you are a new customer we can provide you with one post purchase.

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