Insurance Solutions by Industry
Insurance Solutions for Veterinary Clinics in Cyprus
Every veterinary practice operates differently, depending on the cases it accepts, the services it provides and the equipment it uses. We help veterinary practices in Cyprus assess the risks connected with animal care and the day-to-day operation of the business.
The nature of the sector
A veterinary practice examines and treats animals, and may also offer surgery, tests or overnight care. Professional decisions affect an animal's health directly. A frightened or injured animal can also react unexpectedly and hurt staff or visitors. The risks vary with the services offered, the equipment and medicines used, the size of the team and whether animals stay without their owners.
6 Insurance Areas Worth Considering
Every business is different. These are six insurance areas commonly worth considering in this industry, depending on the activities and how the business operates.
Professional Indemnity
Relates to claims arising from veterinary diagnosis, treatment, surgery or anaesthesia.
Cyber Insurance
Relates to cyberattacks and the loss or theft of client, animal or payment information.
Public Liability
Relates to injury or damage involving owners, visitors or other third parties at the practice.
Property / Building & Contents Insurance
Relates to the building, if the business owns it, and to the equipment, furniture and other contents used every day in rented or owned premises.
Employers’ Liability
Relates to workplace accidents such as bites, lifting injuries or infection where veterinary and support staff are employed.
Business Interruption
Relates to lost income if an insured incident disrupts appointments or other essential veterinary services.
Realistic examples
What could disrupt your business?
Animal’s condition worsens after treatment
An animal’s condition worsens after treatment or surgery, and the owner believes this is connected with the veterinary care the animal received.
Client or visitor injured by an animal
An animal bites or injures a client or visitor inside the veterinary clinic.
Animal escapes and is lost or injured
An animal escapes while under the clinic’s care and is lost or injured.
Veterinary equipment breakdown delays procedures
An important piece of veterinary equipment breaks down, so scheduled procedures or treatments have to be postponed.
Refrigerator failure and loss of vaccines or medicines
A refrigerator breaks down, and vaccines or medicines that need refrigeration can no longer be used.
Fire and temporary closure of the clinic
A fire damages the premises, equipment or medicines, and the clinic has to close temporarily.
These are illustrative examples to help explain risk. They are not statements about what any policy would or would not respond to — that always depends on the wording and the circumstances.
Our approach
Insurance starts with understanding your business.
We look at what your clinic really does: whether you operate, hospitalise or board animals, which equipment is critical, how many people pass through reception and how the schedule would be covered if the premises closed. Only then do we discuss which areas are worth reviewing.
This page is general information about the sector. It does not describe policy terms, conditions or exclusions, and it is not a recommendation.
- What the business does
- How it operates day to day
- Premises and equipment
- Employees and the people you rely on
- Customers, clients and visitors
- Professional responsibilities
- Operational dependencies
- Risks that could materially affect you
Vesta Needs Review
Not sure what your business needs?
Start with the Vesta Needs Review. Answer a few simple questions about your business and we will help identify the areas that may be worth reviewing.
Prefer to speak with us?
If you would rather talk it through, tell us a little about your business and we will come back to you. No lengthy forms at this stage.
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